BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting a CFPB Complaint to inform the Credit Bureaus about the fraudulent accounts and incorrect information they have been reporting on my Credit File. After conducting research, I have learned that to remove these fraudulent accounts, I need to file a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove and block any accounts listed on an ID THEFT REPORT. I have attached the necessary documents to aid in blocking the erroneous information that is appearing on my report. Here is a list of the accounts that do not belong to me or were opened without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I assure you that I did not open these accounts or authorize anyone else to do so on my behalf. FCRA Section 605B ( a ) states that the Credit Reporting Agencies must block any information in the consumer 's file that is identified as resulting from fraud within four business days of receiving the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-03-30
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 : I received a letter correspondence from my mortgage company stating that I was qualified for the home modification process. 

The following week I received a call from the mortgage rep confirming that I was qualified for the mortgage modification and was given specifics on how much my interest rate would be and the total amount due each month, starting in XXXX. 

I then proceeded to inform him that those figures were not on the correspondence that I received from the mortgage company the previous week. His next words to me had me wondering about M & T. 

He stated to me that the letter was incorrect. It could be an advertisement, and if not, it was sent out in error. With my insistence of the validity of the correspondence I received from M & T he asked if he can put me on hold and check with his supervisor. 

He then came back and stated " oh yes I see it, but that was sent in error '' " we don't offier that rate anymore. 

He could not tell me who sent it out, when did they stop offering that rate. 

What was intriguing its the amount that I did mention in previous conversations that is feasible. 

I am not quite sure where do I go from here. Do I pay the amount they are telling me over the phone or the amount that is listed on the correspondence from them. 

I was told if I do not start payment I would forfeit my modification. 

Can they change their minds in the middle of the modificaiton? 
Do I believe any of the correspondence that I have received from them? 

I believe they should be held accountable for the information in the correspondence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Capital Management Services, LP
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being threatened and harassed by Capital Management Services over a credit card debt currently in dispute with XXXX/Visa.

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 2023-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit acceptance tried to sue me. It started with phone calls then they sent multiple letters and I responded over a course of a few months. I finally went to the scheduled court date vs credit acceptance corp. the judge was running late and even contacted the company before court started. They apparently forgot. They failed to apear and the judge stated, It is therefore, ORDERED, that the above styled and referenced case is hereby dismissed, without prejudice for failure to prosecute. Yet, it still present on my report as existing and open.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/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 2018-09-11
Company: First Reliance Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I reached out to my mortgage servicing company, First Reliance Mortgage, and requested information for having PMI removed from my loan. I explained that I believe the value of my home has increased sufficiently to put my LTV around or potentially under 80 % LTV and would like to know my options for removing PMI. I was advised by the representative on the phone that there was no one I could speak with over the phone regarding the analysis of my loan 's LTV situation but that she ( the representative ) would put in a request to the appropriate department to have them send me information through the mail detailing my options for PMI removal. Approximately three weeks later, I received the written details of my options for PMI removal in the mail from First Reliance Mortgage, in which they detail that they require a full appraisal to be ordered ( cost : {$450.00} ) to validate my home value -- rather than offering the more affordable alternative option of having a BPO ordered on the property. This seems to constitute a predatory servicing practice, since the XXXX XXXX website says that a BPO can be ordered to establish the property value for the purpose of removing PMI from the loan. I would like to know why my only option for removing PMI on my loan that they are offering is the more expensive option ( Full Appraisal ). Unfortunately on that initial phone call to the servicer it was made clear to me that there was no department I could speak to at the company who would be able to give me any details, all of it would be handled through written communication.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-30
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, non-verified, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon, nor did I sign any agreement. A legal contract signed is by two parties, and I did not participate in any of this. More so they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation and they have clearly violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.

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 2023-12-10
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was an account opened in my name while I was XXXX which resulted in fraud that I did not have any knowledge of. I truly am just trying to build my credit because someone used my information and opened up these accounts without my knowledge. This is affecting my ability to buy a car and town home please help me get rid of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Resurgent Capital Services L.P.
State: AL
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:
I am not liable for this debt of {$300.00} with LVNV Funding. The LVNV Account number is unknown. **** I do not have a contract with LVNV Funding. They did not provide me with the original contract as I requested with my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have attempted to work with GM Financial to bring my accounts current. However, I exhausted all resources that make sense. I am privied to ( 8 ) deferments through the life of the loans but have been denied. Additionally, I have gotten the run around from a collections manager for weeks. I spoke to a manager weeks ago he stated that he would assist. However, he has been spinning every time that I call up until today XX/XX/2023. He finally stated that he would not be able to assist me with any deferments. 

Furthermore, I am a victim of a predatory loan. The XXXX XXXX is worth XXXX I owe GM Financial XXXX with a interest rate of XXXX. I have tried to work with GM Financial by keeping good communication and trying to work things out. At this point I feel that I need to get an attorney involved if they will not correct the wrongs immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX 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 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 2022-07-22
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BARCLAYS BANK DELAWARE
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've been having problems with Barclays concerning my AAdvantage Mastercard. I have not used this card for any purchases since XX/XX/2021 since XXXX XXXX has quit servicing XXXX XXXX and there has been fraud activity reported on the account. Barclays did charge me {$99.00} annual fee in XX/XX/2021 which I paid. Barclays sent 19 letters on XXXX XXXX informing me that certain restrictions were being placed on my account ending in XXXX. Also I received a letter from Barclays on the same date thanking me for requesting an increase in my credit line on account ending in XXXX and raising it to {$22000.00} effective immediately. The credit card that I had at that time ended in XXXX. I never had a card ending in XXXX. Barclays told me that the account ending in XXXX would be cancelled and I would be issued a new card ending in XXXX. They asked if I needed the card in a hurry and I said no, that I wouldn't be using it anyway. They sent the new card regular mail and charged {$15.00} for expedited service. On XX/XX/XXXX Barclays sent 9 letters again informing that restrictions would be placed on the account ending in XXXX.Then on XX/XX/XXXX I received a letter that XXXX account was being closed due to suspicious activity. At that time I called and told them not to send anymore cards but I wanted to keep the account open so I wouldn't loose the ability to access my data until this fiasco was over. Now they have charged me a {$99.00} annual fee on an account ending in XXXX. Way back in XXXX this case was issued a Barclays Case number XXXX and I was told by XXXXXXXX XXXX that someone from Barclays would be contacting me to resolve the issue within two days. No one called so I called and was put in contact with someone in the fraud department. After a long conversation I was told either by someone in fraud or customer service that the matter would be resolved and that I would be reimbursed for {$15.00} charge for expedited service and the annual fee charged in XXXX XXXX but neither has happened. I've had numerous conversations on the phone about the situation and each time I felt the problem was resolved but it hasn't. I now see how old people are being ripped off each and every day by people like this. I've been inundated with meaningless correspondence red tape just to get a very simple problem taken care of.

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 2023-12-01
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I were looking to buy a home so I went and got my credit report because we couldn't get an approval because of NCB Management Services Inc. saying that I owed money for a vehicle i never had at a address i never lived at i placed security fraud alerts on all three credit reporting bureau 's I sent a letter to the company certified mail requesting validation of the debt and any documents stating that i had signed a contract with them they never sent an explanation to verify that I owe their company any money and i feel that my rights were violated because they have my personal information and i never gave any written consent for them to have it. this is damaging my families life and i am highly concerned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: AR
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 sent my letter previously to three credit bureaus to inform them that the disputed items still remain on my credit file. I kindly request that you assist me to investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Kindly assist me to remove these fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX Balance : $ XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00}.

Company response to consumer: Closed with non-monetary relief