BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Fay Servicing force-placed insurance on my mortgage account totaling almost {$7500.00} ( see attached ). This is due to an error in their system of my property address which was supposedly solved in XXXX with a prior CFPB complaint # XXXX ( see attached ). I also had to deal with this in 2021, which I was able to solve working with the XXXX 's office at Fay. I have always had and continue to have insurance on this property. I don't know what else to do considering that it continues to happen every 6 months. I am worried that at some point over the next 28 years of my mortgage I may miss these letters and end up with them taking back the property. Additionally I am beginning to wonder if this is not intentional because the interest rates increase with late payments in this loan. I don't know, but I am angry that I continue to deal with this problem and requesting it fixed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
We attempted to get a card through the referral procees but had lot of issues. We even called in and received Wrong Information which caused us to open the wrong card because the link was wrong. I called multiple times to try to resolve capital one sent us in circles then asked for us to reply and we couldn't get the card based on the wrong information we received the first time. If we were not deceived or told wrong things on our first card we wouldn't have been declined. But due to the wrong information we applied for the wrong card and that interfered with the Ventura x card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting a call the past year or so from an agency called Pro Collect about a debt for another person who is not 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
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$740.00}

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 2023-01-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this is for usaa federal savings bank. they stated that my consumer loan debt amount would be adjusted on my credit report but it has been more than 30 days and it has not been updated. in accordance with the fair credit reporting act, this company has violated my rights as a consumer/customer. fcra 15 USC 1681 section 602 A states i have the right to privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I had a credit card with Capital One in XXXX. Unfortunately, due to financial issues, I was unable to pay the balance and the account was reported as XXXX. In XXXX, I did receive collection calls from a different agency for a few months and then the calls stoped. In XXXX is when i started receiving calls again by someone named XXXX to discuss solutions to my credit card balance. The credit card debt should have fallen off by XXXX if the account was unpaid since XXXX. I feel as though the credit card collections are restarting my clock on this debt and Im curious to know how this can be legally allowable. I have already suffered enough of a financial hardship with having this on my credit report, but to have it restarted is completely unacceptable. I am please requesting that the error be corrected since the account was technically charged off in XXXX. My credit report shows that I have numerous months of late payment since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX has violated my rights. 
! 5 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 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 2023-02-09
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX utility bill for {$290.00} that had fallen behind in XXXX. I went into one of their physical locations in XXXX XXXX and paid it off in full and had service restored for many years after. For obvious reasons, they wouldn't have reinstated the account and provided years of future service had it not been paid in full. 

Either way, that bill was eventually sent to collections with a company called XXXX XXXX XXXX. No amount of proof or convincing them of it being paid would suffice and I eventually just paid it because it was only {$300.00}. Which means I paid it twice, both to XXXX XXXX directly and to them as a profit for whatever they bought the " debt '' for. 

The larger problem now is that they updated all of the credit bureaus to show this account having been opened and closed in XXXX and it shows no other data about how old the original " debt '' was, when it will age off, or anything else. So it shows up as a recent collection account any time I apply for anything, removes years off the actual age of the original utility bill, and, if it were reported correctly from that date, it would have aged off my credit already. 

I've attempted to dispute it multiple times, have called the company directly, and am at the point of seeking counsel to file suit against them for harming my credit with inaccurate reporting. 

If they don't respond to this, that's the next step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a consumer and natural person am a victim of identity theft. XXXX, Equifax, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Equifax, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, Equifax, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX  XX/XX/2022. *

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 2023-01-07
Company: Muskegon Car Credit, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I participated in an " AUTO LEASE '' transaction in the amount of {$22000.00} with Orbit Leasing, LLC of Wyoming, XXXX with an option to buy. I was provided with a form to OPT-OUT of having this transaction and experience shared, TRAFFICED, furnished, provided or reported to ANY non affiliate of Orbit Leasing , LLC dba XXXX XXXX. On XX/XX/XXXX I utilized the form provided by filling it out, signing it and mailing it to Orbit Leasing, LLC via CERTIFIED mail green card return receipt requested, along with a notarized written communication. On XX/XX/XXXX, ORBIT LEASING LLC committed " identity theft '' by in-fact reporting my transaction and experience with them in violation of 15 USC 1681 ( a ) 2 ( A ) ( i ). and 15 USC 1601 ( a ) as it has resulted in injury and actual damages to me in the form of increased cost and denial of accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-07
Company: CCF Intermediate Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Three to four different debt collection companies have tried to place a collection from this company on my credit reports. I have gotten the debt removed each time because its fraud and each time they try to file for a different amount claiming to be owed by me. One collection was for {$370.00}, another {$190.00} and now they are claiming I owe {$150.00}. Which makes no sense, I never had a loan with this company and if I did why would they collection amount be different each time they file? This is fraud please stop this company from using my SSN, they are harassing me and affecting my credit. I DO NOT OWE THEM MONEY AND WILL NEVER PAY THEM ANY MONEY. Attached are screenshots of the {$370.00} they attempted to charge my XXXX account which I never gave them my name one their so Im confused how they tried to charge that account. And attachted are screenshots from experian deleting this debt twice.

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 2023-02-07
Company: Southwest Credit Systems, L.P.
State: TX
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: Billing dispute for services

Complaint:
I was incarcerated at the Texas Department Of XXXX XXXX in XX/XX/2022 and was taken by ambulance to the hospital. I was billed for these services while under the care of the state. I had a pre existing injury called chronic XXXX. On my credit report is the company ..Five star emergency PHYSICIAN. Complaint was opened XX/XX/2022 and I was incarcerated XXXX of XXXX until XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: AL
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 have three accounts on my credit report with XXXX XXXX  XXXX that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have three accounts on my credit report with XXXX XXXX  XXXX that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Received unsolicited letter from XXXX XXXX requested identify verification for a XXXX XXXX credit product. 

Checked my credit report, and XXXX XXXX had done a credit inquiry through Trans Union credit without my authorization. 

Called XXXX  turns out they have a special data interchange relationship with XXXX XXXX. Also a private label credit card. 

XXXX XXXX apologized and said they would remove credit inquiry on my TU credit profile. Has not happened yet, it is still on my credit profile with XXXX. 

XXXX and XXXX need to be bounced by the CFPB so as not to all them to illegally access consumer credit profiles without the consumers permission.

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 2023-02-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted LVNV funding LLC and demanded they stop reporting False information on this account XXXX, I sent out a certified letter with tracking number on it on XX/XX/2022 a request for proper account level documentation of personal knowledge of said account and proof of real ownership, they pretend to report a past due balance, but i have never done any dealing with this company., but have been given the silent treatment..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
An obsolete credit card account must be legally removed from my credit report. After over 7 years this obsolete and incorrect account remains on my credit report. Please remove the account permanently from my Experian credit report and do not publish it at any time in the future by penalty of Federal Law. Account ending 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 2023-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: WI
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:
Over 2 months ago ( XX/XX/2022 ) I wrote a letter to Equifax advising them that were in violation of my HIPPA rights by reporting medical information that I did not authorize in the following amounts : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00} {$2400.00} {$1000.00} {$800.00} I have not heard back from them nor have they removed anything from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
All of this happened on XX/XX/23. 

Someone was able to fraudulently open an account in my former name. They used my former name, former email address, current phone number, and ( most concerningly ) social security number. Upon first attempt to call BoA, I was unable to get past the automated menu due to not having my account number - ironically enough, the automated recording told me I needed to have my account number in order to speak with a representative " for my security ''. I stopped in the local branch and spoke with a teller who was able to determine the account number using my social security number for lookup. She gave me a 1-800 number to call and told me the number was being used specifically for the situation I described ( fraudulent account opening ). After being on hold for almost 30 minutes, I spoke with an agent who told me I needed to call a different 1-800 number. I was on hold for another 30 minutes until finally speaking with a representative. The representative was able to close the account, but I never received any written confirmation of this ( either email or paper mail ).

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