BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Real time resolutions sent me a letter by mail stating that I owed this alleged debt violating my rights under 15 usc 1692b ( 2 ) & 15 usc 1692c ( a ). Sent a cease and desist and continue to contact me after violating 15 use 1692c ( c ) has yet been able to validate the debt under 15 usc 1692g. Sent me photo copied contracts that I never seen before violating 15 usc 1692e. Continues to report this alleged debt on my credit report harming my reputation violating 15 usc 1692d ( 1 ).

It is Fraud for a debt collector to furnish an unvalidated debt violation 15 usc 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Mr. Cooper Group 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:
I am XXXX XXXX and I am submitting this complaint myself. SETERUS INC is reporting late, yet it is closed and the balance is zero as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( SETERUS INC XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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: Their investigation did not fix an error on your report

Complaint:
I have made three separate requests for Equifax to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Equifax to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) XXXX has cleared two of the original derogatory remarks for which they can not provide verifying documentation. However three such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have disputed the mortgage amount owed from the first papers I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. The balance that they claimed was due when I defaulted was as of XX/XX/XXXX was {$120000.00}. I made payments over my monthly amounts due that were never credited to my mortgage. I made modification payments some of which Rushmore admits were applied to the loan in XXXX of XXXX. Yet the principal due as stated in the Judgement and affirmed as actual by their Attorney 's has never changed. I have repeatedly requested general ledger accounting of my loan payments and have received the same information ( WHICH IS ATTACHED ). The affirmations by the Attorney 's were inaccurate making them fraudulent statements. Rushmore proceeded with a Judgement based on false and inaccurate amounts and statements. They consistently send ledgers that are UNREADABLE. They have done nothing but discriminate against me through this whole process thinking I was uneducated by sending me account of payments I could not even read to be able to dispute payments. In one letter they admit payments were received after XX/XX/XXXX and in another, they deny they were received and want copies. If payments were received in XXXX and XXXX how did the original balance from XX/XX/XXXX never change?? The reason they sent the unreadable ledgers is because it proves payments were recorded yet never applied if any saw that this occurred the Judgement amount would be inaccurate made on false claims and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX SS XXXX I was a victim of fraud a few years ago and someone was using my name. I have been working to get this issue resolved for over a year now. I do not live in XXXX OHIO. Please remove any and all OHIOaddresses from my credit report. I never opened accounts with the following companies XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX. PLEASE DELETE THESE FRAUDULENT ACCOUNTS AT ONCE. PLEASE REMOVE THE FOLLOWING ADDRESSES XXXX  XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX TX XXXX, I NO LONGER LIVE IN OHIO. THANK YOU FOR YOUR TIME AND CONCERN.

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 2021-12-07
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:
XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX SS XXXX I was a victim of fraud a few years ago and someone was using my name. I have been working to get this issue resolved for over a year now. I do not live in XXXX OHIO. Please remove any and all OHIOaddresses from my credit report. I never opened accounts with the following companies XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. PLEASE DELETE THESE FRAUDULENT ACCOUNTS AT ONCE. PLEASE REMOVE THE FOLLOWING ADDRESSES XXXX  XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX TX XXXX, I NO LONGER LIVE IN OHIO. THANK YOU FOR YOUR TIME AND CONCERN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my credit and noticed that experian had unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ) they assumed this role without my permission and I did not give them consent. Not only that, they violated my privacy which is under 15 USC 1681a ( 4 ). They did not exercise their grave responsibility. They were unfair. I never instructed them to furnish this report and I never consented to the report in the first place.

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 2019-09-12
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems is reporting that I have an unpaid balance of {$1500.00} owed to a company called XXXX XXXX. I have spoken to this collection agency, and explained to them that I have NEVER done business with that company before. In fact, neither I, nor anyone in my family, even plays a musical instrument. When I spoke to their reps, they told me I should contest the account at XXXX, XXXX, and XXXX XXXX if I felt the debt was inaccurate. They said that if it was not mine, it would be deleted. Well, I contested the debt, but Transworld told the credit bureaus that it was legitimate, and it is still on my credit report. I have since requested that Transworld provides some kind of proof that this debt actually belongs to me, but so far, those requests have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company World Finance Corporat is attempting to collect a debt from me which is not mine. The following account is not mine nor is it associated with me and I would like the immediate remove of these account ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 been a victim of identity fraud, I am XXXX  and XXXX. I have tried many times to all credit bureaus to have the incorrect information removed and they refuse or delete and add again. This complaint is against Transunion, XXXX, and XXXX for violating my consumer rights during the covid 19 pandemic causing financial difficulties.

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 2022-04-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Company charged me XXXX $ in late fees when I scheduled the payments to arrive on the scheduled due date.

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 monetary relief
Consumer complaint received 2022-04-30
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage continues to over-withhold escrow and enforce the payment of double the correct amount on what the correct payment should be. The claim that the team is putting my loan through an " escrow analysis '' yet have refused to put any details in writing despite assuring me ( over the phone ) that the withheld amount is higher than what the taxes should be. They continue to defend their misguided escrow tax calculation by presenting me with information concerning how they arrive at the estimated amount but none of that matters because it's just WRONG. I have been told 7-10 business days on several occasions beginning around XX/XX/XXXX. That never happened. I already overpaid XXXX. At this point there is enough escrow withheld to cover the entire year of 2022. Each time I call Rocket Mortgage they continue to tell me that the escrow analysis is still in progress and that I'll receive a refund check when it's completed. Yet they will not acknowledge any of this in writing or via email. I just over-paid my first mortgage payment to them in the month of XXXX and from my past dealings with them, I would not be surprised in the least if they can not manage to correct the issue by the time my XXXX payment is due. This company is violating consumer rights. By law, they have no right to demand that I make large escrow payments which are completely inaccurate. I have also verified with the local tax authorities that they are wrong in their estimation and that there are not any planned tax increases in the fiscal year 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On the XX/XX/XXXX I made a transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX  account via Western Union to my XXXX Account in XXXX for a medical emergency and got a confirmation that they money will made made available on the XX/XX/XXXX.While this transfer was being processed and pending and initiated a second transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX via Western Union to my XXXX account on the XX/XX/XXXX for the same medical reasons and I got a confirmation to receive the money on the XX/XX/XXXX.
<P/>
On the XX/XX/XXXX, I got and email from Western Union that my first transfer is cancelled and I called to know the reason and they could not give me any reason. All I was told was " the web department is closed '' and that my money will be refunded back into my account. Because of the bridge of contract on my first transfer without any reason, I asked for the second to be cancelled and refunded back so that I can use other means to address my medical emergency. They only processed the first transfer and I can not access the money for the second transfer even though it has left my account and I still ca n't use get it back. The customer services personnel told me different things that does not make sense and at this time I am in between not having the money they already took from my bank account and facing a huge financial dilemma due to pressing need to provide the fund abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 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 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: ID Analytics, Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX SS XXXX DOB XXXX I was recently in the hospital for XXXX XXXX XXXX XXXX XXXX a year ago. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquires. This the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: ACIMA CREDIT, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I need four tires for my car and i called them and they told me the file an application on their website and if approve they will send me to a dealer which they did. I called the dealer on the phone. I told him that i was referred to him by ACIMA. We both talked about the tires and i told him i needed continental tires. he completely discredit this brand and recommended his brand. Couple of days later he text me a photo of four tires in his garage. and i replied back and said denied- i do not want. two days later i called ACIMA and told them that the tire the merchant text were not new and they seems to be laying in his garage for a while. I want them to cancel. They refused. they told me i should talk the merchant to send them a cancellation invoice I told them that he refused and he wanted me to pay him {$100.00} dollars. I do not received the tires and ACIMA keep debiting my account. They took {$53.00} during the initial application and another {$25.00} onXX/XX/XXXX as  a monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I reached out to XXXX XXXX in XX/XX/2021 to inquire about a homeowner 's policy with an effective date of XX/XX/2021. I never went through with signing the policy because the sales person failed to inform me that I would have to pay a broker fee. I learned about the fee when they emailed the policy for me to sign. I never signed the policy documents and the policy was subsequently cancelled, effective XX/XX/2021. On XX/XX/2021, I sent a signed letter via US postal mail to Village Capital & Investments ( mortgage company ) informing them not to send any escrow payments to XXXX XXXX XXXX. On XX/XX/2021, Village Capital sent XXXX XXXX XXXX XXXX a check in the approximate amount of {$3200.00}. Also on XX/XX/2021, Village Capital sent XXXX a check in the amount of {$3600.00}. My escrow account is now negative over {$4000.00} and no one at Village Capital can tell me why they sent a check to XXXXXXXX XXXX  when I clearly informed them not to do so. I have called XXXX XXXX and they indicate that they have not received the check from Village Capital. This is a problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I attempted to close my accounts with fifth third XX/XX/2018. My account was not closed, and I have since been hit with two overdraft fees, and have an outstanding balance of {$290.00} from a recurring payment tied to the account, plus the two {$37.00} overdraftt fees. The account is still not closed. Fifth Third Senior Vice Preisdent XXXX XXXX sent me a lettter threatening collections if I did nott pay, and provided contactt information and hours. I have tried calling within tthese time windows on multiple different times, on multtiple different days, only to recieve an auttorecorded message saying that fifth third is closed. The call window is XXXX M-F, XXXX Sa-Su. I placed multiple calls at both XXXX Saturday and XXXX Friday to no avail. 

This issue can not be resolved if the contact information provided is not functional. I have phone logs to back up the call placement times. I also have withdrawal records, and I'm sure the bank has video evidence of me entering and asking to close my account XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: NV
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 been a victim of identity fraud, I am elderly and XXXX. I have tried many times to all credit bureaus to have the incorrect information removed and they refuse or delete and add again. This complaint is against XXXX, XXXX, and Experian for violating my consumer rights during the covid 19 pandemic causing financial difficulties.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello, To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
( 1 ). What happened?

I have ( 2 ) Collections Accounts reporting on my Transunion Credit File # XXXX, they are : 1-. XXXX : Account # XXXX XX/XX/XXXX This is a Statue of Limitations which is 5 years. DELETE 2- XXXX : Account # XXXX XX/XX/XXXX This is a Medical Bill. I did not give a HEPPA Release of Information Form. This is an illegal collections debt. DELETE I live in another state and I was informed by the company, they're not licensed to collect in NYS.

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