BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Santander Consumer USA 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received letter from Midland Credit Mgmt dated XXXX XXXX stating " Choose the Option That Works for You. '' Do not know this card. Never applied. Totally XXXX since XX/XX/2018. 
XXXX XXXX Bank, XXXX account number on letter XXXX MCM account number XXXX Current balance {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Without warning or notice, I had the Sheriff 's Office serving Warrant in Debt papers at my house -- EMBARRASSING -- and then looking at the paperwork to see that it was for a family member who DOES NOT live in my house, NEVER HAS. I contacted the Sheriff 's Office to notify them. I am still getting letters to MY home and nobody else lives here. I am the homeowner and ONLY RESIDENT. What kind of horrible company files a suit against someone without knowing the person they seek is actually THERE? 
I have REPEATEDLY returned mail to sender, marked the mailpiece as such, filed complaints with the USPS because I'm tired of getting mail sent to my address that isn't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I refinanced my home. Included in the refinance was the goal to use equity in our home to pay off credit card debt. 

I have a XXXX with Jet Blue / Barclay Bank, and a check in the amount of {$2200.00} was sent to them on XX/XX/2022. The check was drawn on XXXX XXXX XXXX XXXX Bank XXXX XXXX ), and in the memorandum line was my name and the last XXXX digits of my credit card number. 

On XX/XX/2022, Barclay Bank cashed the check. 

They have not applied the funds to my credit card account. 

I've contacted them on several occasions, most recently on XX/XX/2022 when I faxed them proof of their cashing the check. I included with that fax a cover letter and a copy of my account. 

I've checked my account continuously since XX/XX/XXXX and they have yet to apply my payment to my account. I am continuing to be charged interest AND monthly payments on the " outstanding '' balance. 

I contacted them on XX/XX/2022 to inquire as to what the status is. I was told it can take " several billing cycles '' for the payment to be applied to my account. When I said that was unacceptable and I wanted to speak to a manager, they put me into a holding que where I was waiting XXXX minutes to speak to someone ; I had to hang up as I need to get back to work.

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 2022-11-25
Company: Freedom Mortgage Company
State: NE
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My insurance company ( XXXX ) who is insured by XXXXXXXX XXXX questionably raised my premium by 600 % during covid-19, forcing my mortgage ( Freedom Mortgage ), who is insured by XXXX XXXX XXXX to nearly triple. 

Under the VAPCP ( Partial Claim ) program XXXX billed Freedom Mortgage for the {$7000.00} premium cost. This cost would later be passed on to me through the XXXX, leading an additional $ XXXX being said I owe. Now I owe more for my home than the original load price. 


I'm going to lose my home, if something isn't done.

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 2022-08-21
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: Personal information incorrect

Complaint:
I called XXXX last week XXXXXXXX XXXX XXXX  I have stressed to XXXX to stop reporting my private information and XXXX said they did STOP and they would not report to 3rd party companies or Financial institutions such as XXXX, TransUnion and XXXXand Im still seeing that its still reporting my private information as of XX/XX/2022 I told them Pursuant 15 usc 6801 that I have rights to my personal information being shared to Financial institutions.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The listed inquiries and accounts were not authorized by me to be furnished on my consumer report. Please remove them immediately. Please see the attached documentation.

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 2022-06-23
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: Old information reappears or never goes away

Complaint:
Since XX/XX/2022 I have sent Equifax multiple disputes questioning the certifiable compliance of an account on my Credit report called XXXX XXXX, Account # XXXX and XXXX. Both of the original accounts were deleted and then added with all of the same information except the date opened. I continued to dispute sending another compliance dispute letter on XX/XX/2022. I just reviewed my credit report and both accounts have been added yet again with a open date of XX/XX/2022. So now I have the original two XXXX XXXX accounts deleted, and two duplicates of each account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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: Account information incorrect

Complaint:
XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports

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 2022-08-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act account XXXX XXXX account # XXXX collections has violated my rights .This is not my account and needs to be deleted from my credit report. and was done under my name without knowledge. Im going through XXXX with my wife and trying to buy a home. This is affecting us heavily. 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 : it also states a consumer reporting agency can not furnish an account without my written instructions.Ive also filed theft report to have matter deleted and previous cfpb complaint.

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 2022-08-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act account XXXX XXXX account # XXXX collections has violated my rights .This is not my account and needs to be deleted from my credit report. and was done under my name without knowledge. Im going through XXXX with my wife and trying to buy a home. This is affecting us heavily. 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 : it also states a consumer reporting agency can not furnish an account without my written instructions.Ive also filed theft report to have matter deleted and previous cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX, XXXX, L, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX Account Number XXXX. Inquires as follows XXXX XXXX and XXXX has violated my rights. 

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

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

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 2022-06-23
Company: Remex, Inc.
State: NJ
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 about XX/XX/XXXX I requested verification of an alleged account... 
REMEX INC ... XXXX. They, REMEX INC responded in kind ( attached ) with a notification stating their " investigation '' has confirmed and verified the account. First ... their response has provided nothing more than a name and address. 
Second ... their response in itself provides proof of their violation of my rights under HIPAA.

So I am requesting that they provide proof that I authorized the release of my medical records to them.

In addition I am requesting a description of how they recieved my medical records, and if an electronic transfer was conducted they must show their compliance with the HIPAA security rule, specifically the HITECH ACT of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Affirm Holdings, Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This is a XXXX company that offers installment payments for many websites. I recently purchased a XXXX XXXX  ( XXXX ) and used this company for payment. Their website, which I have attached XXXX XXXX XXXX XXXX XXXX says they accept debit cards as payment, but I tried to make a payment with a prepaid debit card and was declined. I reached out to the company to clarify, and they said they don't accept prepaid debit cards, though it doesn't say it on their website. I think it's dishonest not to transparently display this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my rights under 15 USC 1681. 

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

According to : 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. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has viloated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has viloated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-23
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : Planets investigation revealed that you initially submitted an online portal inquiry on XX/XX/XXXX. The submission was partially completed, however, did not indicate whether the disaster hardship was resolved or ongoing. Planet issued both acknowledgement and missing items letters ( enclosed ) on that same date. To proceed with a Disaster Modification, Planet must verify that the hardship was resolved, the borrower returned to work and with no negative long-term change in the household income occurring. Despite numerous attempts, we did not receive the required information. Therefore, on XX/XX/XXXX, a loss mitigation denial letter ( enclosed ) was issued. 

My Response : The M26-4 5.06 ( 3 ) states The event, or circumstances that caused the default has been, or will be resolved, and is not expected to re-occur, so is Planet Home Lending seriously trying to say you were unsure if the hurricane had dissipated 3 months later?

Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : On XX/XX/XXXX, upon receipt of an online request from you, you were approved for an extension of the COVID-19 forbearance plan, which was good through XX/XX/XXXX. As an additional courtesy, Planet backdated the forbearance plan to XX/XX/XXXX, waived your late fees and ensured no negative credit reporting was furnished to the three major agencies pursuant to the CARES Act while you were on a forbearance. Therefore, you were provided with a COVID-19 forbearance plan for a total of 18 months, which is the maximum number permitted by the VA for loans with a COVID-19 hardship on or prior to XX/XX/XXXX. 

My Response : 1. The company has in effect detailed another violation of the CARES ACT and VA Circular 26-21-04, as neither imply or expressly provide a mortgage servicer the authority to retroactively apply/backdate the application of a CARES ACT COVID-19 forbearance. 
2. The document provided by the company on XX/XX/XXXX allowing a one month extension of forbearance makes no mention of a retroactive/backdated forbearance. See forbearanceml.pdf.

3. Whatever they do regarding the forbearance has to be requested by me per the CARES ACT and VA Circular 26-21-04. I never requested they retroactively apply the two months of remaining eligibility. It makes no sense. Why not apply it for XXXX and XXXX? Whatever alleged benefit ( lates fees and credit bureau reporting ) would of applied to XXXX and XXXX. 


Ive called and emailed regarding the name, address, and phone number of the owner of my mortgage to no avail. Please provide the previously mentioned information for the owner of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Inc. ( Company ) Company falsely accused me of owing a debt.

Company falsely accused me of being a member of their services in 2019 ( resulting in false debt ).

Company fraudulently sent a bill to collections.

Company fraudulently ( claims ) to have collected funds.

I have never been to the original collector. The company has many reviews about fraudulent activity. 

Company is causing severe emotional distress due to their fraudulent activities.

Company response to consumer: Closed with explanation