BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
( Irregularities in order to Foreclose our Mortgage & Evict- Real Estate used as Colleteral ) On XX/XX/XXXX received " Letter of Default, Notice of Opportunity to Cure Default, And Notice of Intent to Foreclose '' in this Order. We were delinquent XX/XX/XXXX & XX/XX/XXXX payments. On XX/XX/XXXX we received letter from XXXX, XXXX XXXX XXXX, XXXX. attorney XXXX XXXX XXXX " Notice of Acceleration And Notice of Foreclosure Sale '' in this Order. According to Attorney XXXX XXXX Mortgage stated to them they already sent us A " Notice of Default and Right to Cure Default and Intent to accelerate dated XX/XX/XXXX which this statement is Not True to Facts! We have Not once received a " Notice to Accelerate '' from 21st Mortgage Corporation on XX/XX/XXXX nor a Notice in year XXXX or XXXX. On XX/XX/XXXX, 21st Mortgage mailed a " Reinstatement amount due '' for {$4000.00} due by XX/XX/XXXX. If paid AFTER XX/XX/XXXX a {$20.00} late fee would be charged. Also on XX/XX/XXXX i had already sent 21st Mortgage Corporation {$1800.00} which this amount was received and applied to my account. 21st Mortgage deceived us by accepting monies after they had already sent " Notice of Acceleration and Notice of Foreclosure Sale on XX/XX/XXXX. I, XXXX XXXX took the Reinstatement received on or about XX/XX/XXXX as 21st Mortgage giving us opportunity to " Reinstate Mortgage '' which by law must give us the Right to do so lawfully.. Instead 21st Mortgage gave us the date XX/XX/XXXX to pay Reinstatement of Mortgage which we did. At the Same Time 21st Mortgage went forward with " Foreclosing my Mortgage and Sold my property which was used as a lien. 21st purchased my real estate ( XXXX ) themselves to secure remaining balance on loan. This is unfair and business not conducted in " Good Faith ''. Trickery was used to make us think they abandon/cancelled Acceleration of Loan & Foreclosure Sale allowing Reinstatement. XXXX XXXX whom was handling our business records as 21st Mortgage Legal representative intentionally mishandled and deceived us. We had right to Reinstatement paid Reinstatement monies of {$5800.00} to Stop Foreclosure. Now we're fighting " Eviction '' because 21 st Mortgage denied/refused Reinstatement and documents filed contained Irregularities '' to obtain my property. Your assistance requested in this matter. Documents ( evidence ) is in the process of being submitted to back this complaint filed. Thanks XXXX and XXXX XXXX. This ordeal has added more stress on us this far!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I keep getting the runaround with Equifax can you please help me resolve the problem I spoke to several supervisors.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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:
There are accounts that I had disputed previously that aren't mine but are still showing on my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Carter Business Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good Afternoon, I received a letter from Carter Business Service , Inc. attempting to collect on a medical debt from 2015. This debt is time-barred under Massachusetts law XXXX M.G.L. c. 260, sec. 2 clearly states that " [ a ] ctions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues. '' However, the letter clearly threatens to take legal action against me in violation of the Bureau 's Regulation F, 12 C.F.R. 1006.26 ( b ), which states that a " debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. '' The letter, in relevant part, reads " [ w ] e regret that our client may need to take further action to protect their interests! Should you prefer to avoid this action and make arrangements, please contact us today. '' Moreover, the letter does not disclose, in any way, that the debt is time-barred. I had to do a XXXX search to figure out whether the debt collector could still collect on the debt- which they can not. This failure to disclose that the debt is time-barred is a deceptive practice under the Consumer Financial Protection Act ( " CFPA '' ) as outlined in numerous CFPB enforcement and consent orders against debt collectors dealing with time-barred debt. 

The letter is also materially misleading. It claims that I owe {$750.00} in one place but the payoff amount is {$900.00}. It is unclear which amount I actually owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Merchants Credit Guide asking to validate my debt instead they sent me a bill I sent another validation of debt letter and they sent a letter dated on XX/XX/21 stating they will reach out to creditor to obtain validation documents if not obtained they will close account cease any further collection activity and return account to the creditor. This company has failed to validate my debt and is still reporting this information on my credit report. Please remove from my credit report this company has failed to validate debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: GA
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-08-23
Company: ALLY FINANCIAL INC.
State: IL
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:
In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with Ally Financial ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with Ally Financial and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found Ally fiinanical reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to Ally Financial disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with Ally Financial. I do n't know what else I can do, Please Help

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 2021-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposit an check from an employer on XX/XX/21 in the amount of {$4300.00}. On XX/XX/21 I received an email from Capital One saying they froze my account and I need to call them to verify transactions. I had spoke to someone earlier that day from customer service to see why a check I did a mobile deposit on was returned. The check was from a company that hired me to do data entry. At the time I deposit the check I didn't know it was an employment scam. The person from Customer Service advised me the bank that issued the check did a stop payment. When I called the Fraud Department to verify transactions later that day they told me it was an employment scam and asked me for all the information I had on the company. I gave them the HR person name and the information I had from the USPS envelope the check was mailed it. I was advised that all my banking accounts would be closed as they would be severing ties with me. I asked why was that the case when this wasn't my fault. I had no way of knowing the company was an employment scam as everything looked legit. I was told they couldn't tell me any more information other than I would get something in the mail and that my account was considered high risk. I have never had any incidents like this in the past with Capital One. My account was never negative. My concern is they advised me I had to stop any incoming deposit. Since I used this account on my taxes my Child Tax Credit payments come in that account. Now I won't get the deposit because my account is over drawn and the IRS said I had to update my account by XX/XX/21. Since I missed that date I can't do anything about it. I also have a savings account with Capital One which I can't access the funds in. Usually if the funds aren't available in your account they will return the transaction. Since they made the {$4300.00} check available they processed my car insurance in the amount of {$240.00}. Then later that day they reversed the check and it made my account negative. Before I had a chance to even deposit any money to rectify the balance they put a hold on my account. I think it's unethical that they can close your account without any reason. Especially when it was something that I had no control over. The bank is suppose to protect their customer from fraudulent activity not write them off when something happens to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed items with this credit bureau more than once about a tax lien, two bankruptcies, and unauthorized inquiries. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau try to say they sent me a notice, which they did not. First of all I went to the Federal court clerk and I asked them do they verify accounts to the credit bureaus about court cases, and they stated they do not verify with credit bureaus. First of all nobody has permission written or verbal to disclose about my personal affairs. They said the disputed items came back verified by the court, which the court said they do not verify, and in my case since I owe XXXX balance, XXXX liability that the case was vacated and dismissed. So I want to know where they are getting this third party information from. If it is not from me or the federal court, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything. I am tired of the credit bureau taking their time and not responding back to disputes in a timely and efficient manner. You can provide them all the information in the world and they still will not delete items on your report. The inquiries from someone trying to apply for a car loan with multiple lenders ARE not mine and I provided a police report statement for those. How can something you did not do stay on your credit? It is outrageous how people are treated because the credit bureau wants to keep you down so you can pay people to help you fix items that should not be reported in the first place. I already have medical conditions that I have to deal with and I am barely surviving and to constantly fight with the credit bureau is very exhausting and puts more stress on me. I am currently getting advice from a lawyer on this matter and will take it to court if something does not happen with this situation that is constantly being drawn out with no rightful verification and proof. I can not even dispute items because I already have disputes that were never solved over a month ago. I wish they please stop taking advantage of people and if not correctly verified delete items that they know are supposed to be deleted. Stop going through third party sources to verify information that is not accurate or given permission to supply because that is breaking the law. I have proof they are not authorized by me to use any third party sources to verify any thing and I will use this in court if necessary.

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 2017-04-12
Company: EZCORP, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
EZ loan is the place that is harassing and threatening me calling my job and calling my cell after I have advised them NOT TO USE MY CELL AND HARRASS ME, I HAVE CALLS RECORDED WHERE IT IS A JOKE AND THE FOUL LANGUAGE THAT THEY USE.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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:
In XX/XX/XXXX an account was taken out in my name in XXXX, FL for the amount of {$5000.00}. At that time I was stationed in XXXX for the XXXX XXXX. I have never lived in XXXX. 

I filed a dispute in XX/XX/XXXX for this account and provided my military orders and an FTC Identity Theft Report. Equifax initially agreed with my dispute, added the fraud statement to my account and removed the negative information. In XX/XX/XXXX I received a letter stating that the company that now owns the closed account disputed my dispute and certified that this is my account. Equifax added the negative information back to my account before contacting me. To this day I have not been able to get in touch with the company that owns the debt and I have asked for proof that I own this account and have not been furnished. 

This negative information has the potential to derail my service. I currently hold a security clearance and bad credit is a disqualifying factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I found  XXXX   XXXX  CA  XXXX   US h as charged me on my  Chase Visa card  since  XXXX  {$0.00},  XXXX  {$9.00},   XXXX   {$19.00}. I do not have an idea about  XXXX  and how they got my visa card information? I have looked up  XXXX  and found many people were charged without any idea of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Certegy Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On three different occasions I tried to either cash or use a check, but was denied by information from Certegy. 
XX/XX/2019 at XXXX XXXX tried to cash a {$190.00} check decline recommendation from Certegy, factors include check number, dollar amount, check cashing history. 
XX/XX/2019 at XXXX XXXX tried to pay for items with a joint personal check account that my wife has used in that store. Denied on recommendation from Certegy, factors include check number, dollar amount, check cashing history.

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 2019-12-17
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, I found a XXXX XXXX account in collection on my credit reports. This is not my account. It was opened at an address that I have never resided, or know anyone who ever resided there. I contacted the Convergent which is the collection agency XXXX XXXX used to advise them of fraud and next steps. 
I contacted XXXX, XXXX  and XXXX  to dispute the collection amount and the account. 
XX/XX/2019 I filed an identity theft report with FTC. 
Convergent agent told me I would receive a statement in the mail of the charges and I could use said statement to file a police report of identity theft. 
XX/XX/XXXX, I filed an Identity theft claim on FTC Website. 
On XX/XX/2019, I received a statement from Convergent statement that XXXX did not accept my dispute and fraud claim. 
XX/XX/XXXX, I sent a letter to XXXX to advising them of the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation