BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 following XXXX AND XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and 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

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 2022-12-03
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have XXXX XXXX accounts on my credit report ( XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX ). I have made several attempts to dispute these charges because when i called the collection agency ( Midland Credit ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call XXXX XXXX  because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to Midland credit so i called there. The representative at Midland credit agency, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Monday XX/XX/XXXX, I went to the site XXXX  to see if I would be pre-qualified for financing. I was found to be not pre-qualified for XXXX XXXX through their site. On Tuesday XX/XX/XXXX at XXXX XXXX I was contacted via email by sales consultant XXXX XXXX about my online inquiry, to which I responded with inquiring why my credit had been pulled for a full credit application for financing without my consent, and to date I still have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Following a lengthy legal process with Nationstar Mortgage, my loan was transferred to Mr. Cooper, my current loan servicer, beginning XX/XX/XXXX. Since that time, Mr. Cooper has engaged in a wide range of predatory practices in servicing my loan. I am worried that their actions, which deviate from the agreements made in my contract, will result in another long legal battle for my home. 

The most recent incident involves my XXXX mortgage payment. The amount of {$2500.00}, was applied to my online bill account on XX/XX/XXXX. I am enrolled in auto-debit so Mr. Cooper typically automatically takes from my personal checking account. I checked my personal account on XXXX to ensure payment was made and saw the full amount charged to from Nationstar, doing business as Mr. Cooper. Additionally, I called Mr. Cooper on a recorded line on XX/XX/XXXX, where they confirmed that payment was applied to my account and went thought without issue. Understanding this, I fufiled other bill obligations, under the assumption that my mortgage payment was competed for the month of XXXX. 

It was not until I checked in ahead of my XXXX payment on the XXXX that I was informed Mr. Cooper infact did not debit my account, and failed to debit by account at any point within my contractually obligated grace period which is a period of 17 days after the contractual due date. As a result, Mr Cooper billed me for a new amount of {$5000.00} without an itemized explanation of the new charges. This is in addition to the XXXX mortgage bill of {$2500.00} that was separately applied to my account. As it currently stands, I am unpaid for the month of XXXX because of this situation. 

Note : Upon further inspection, I discovered Mr. Cooper assessed a payment reversal on XXXX the same day the bill was applied and my account was debited. I believe it was applied recently and backdated for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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 status incorrect

Complaint:
XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Secured loan Secured loan Bureau Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/2018 XX/XX/2018 Balance : {$0.00} {$0.00} No. of Months ( terms ) : 24 24 High Credit : {$1500.00} {$1500.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/2018 XX/XX/2018 Comments : - Closed or paid account/zero balance Secured Date Last Active : XX/XX/2018 XX/XX/2018 Date of Last Payment : XX/XX/2018 XX/XX/2018 Late Payment Status : Was 30 days late 2 time ( s ).

Was 30 days late 2 time ( s ).

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 2022-09-23
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im trying to open a account

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 demand a Line By Line ReInvestigation of the accounts listed below because with the obvious errors on these accounts, a Proper Investigation could not have been conducted In Accordance With ( XXXX ) the Fair Credit Reporting Act. Now is not the time for Updates or Verifications because you've already done that, and my accounts are Still Inaccurate. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My rights have been violated in several ways, and yet there has been no resolution. 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. I never gave written instructions. 15 U.S.C. Code 1692b States that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to so by such person ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol or any envelope or in the contents of any communications effected by the mails or telegram that You should not be reporting Inaccurate information on my credit reports because it is a violation of my federally protected rights. U.S.C. 1681a-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. This information is Not accurate.

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 2020-04-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
THE DISPUTED BANKRUPTCIES HAS BEEN DISMISSED AND DISCHARGED AND THEY HAVE BEEN REPORTING ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR IT HAS BEEN CAUSING SEVERE DAMAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had to sign stuff on XXXX via XXXX for appraisal acknowledgment. Construction acknowledgment, Addendums, there's actually an estimate cost. 

I never received an appraisal until XXXX so why did I have to sign an appraisal acknowledgment for XXXX? The house wasn't even on the property yet. 

There are now XXXX different XXXX Easements, and now they took another XXXX ft wide easement because they are extending the road so now 27 feet in the front of the lot are gone. 

XXXX XXXX was never supposed to create the XXXX contract but he did and then the title company sent me the receipted sales contract for it on XXXX. He also was not supposed to have the loan costs in item A change but they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
Bureaus are ignoring my request for correction of the disputed accounts. After I ordered my updated Credit Report, I noticed that the Credit Bureaus indicates that the disputed accounts ' dispute status are " Account not Disputed '' despite the fact that I have been disputing my Credit file for 5 months already. It makes me wonder whether the Credit Bureaus are really contacting the Creditors to investigate the accounts, or are they really conducting an investigation. Also this CFPB complaint is my 11th Complaint to be submitted still requesting that the Credit Bureaus correct the information they present on my Credit report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't know this entity or any entity they're affiliated with please direct them to cease and desist. This is not a valid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To my understanding a contract is between 2 people and with truth and lending act this was fraud cause i put a down payment whitch its ilegal In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights in so many ways please fix this issue at hand 15 usc 1662b 15 usc1605 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 car furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat & 50 payment on a credit card account under on open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not own them any money, this issue was already solved.The amount was XXXX if I'm not mistaken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: MO
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 resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I received alerts that an American Express credit card was opened in my name on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AR Resources ( XXXX XXXX ) started calling me starting in XXXX with repetitive calls and leaving voicemail messages everyday. Has not stopped and continued to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Kikoff Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There's a scam company called Kickoff Lending XXXX Llc that I signed up with not knowing it was a scam. I cancelled the accou t once I learned that I was paying for a fake loan that I never received a single dime for. They're stealing from me and falsely reporting an account that I successfully cancelled months ago. With a lawyer even. But the credit destruction reports have yet to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My nephew unknowingly stole checks from my home. He wrote checks to himself made mobile deposits. My signature on check did not match whats on file. Was never notified of these transactions until after he almost stole XXXX. At that point account was empty. He tried to cash a XXXX check last with the amount section whited out and re written. I have no large bills to pay no mortgage or car note so I dont frequently check my account to see whats in it because I know. I am XXXX XXXX XXXX it was my savings. Wells Fargo which is the bank had me do a fraud report and a police report and has not returned my money to this day. Happened last year around XX/XX/2021 for the last transaction not sure when it started

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 2022-09-23
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2011 Balance : {$12000.00}

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 explanation
Consumer complaint received 2022-09-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt to XXXX XXXX XXXX  I paid them {$140.00} to pay my debt and have the collection removed from my credit report and that have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: IL
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 consumers rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX XXXX15 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 item 's information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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