BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, TBOM/FORTIVA XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
IN XX/XX/2016 WE STARTED A RE-FFI WITH XXXX. WE WWERE TOLD THAT WE DID NOT NEED TO MAKE THE XXXX PAYMENT. THEN ON XXXX XXXX CALLED AND SAID THERE WWAS A PROBLEM AND WE NEEDED TO PAY XXXX MORTGAGE PLUS THE LATE FEES ... .HHE SAID HE WOULD REIMBURSE US XXXX WE DID NOT NEED TO MAKE A XXXX PAYMENT. WE GOT LETTR FROM XXXX SAYING NEW MORTGAGE HOLDER EECTIVE XX/XX/2016 WOULD BE SPECIALIZED LOAN SERVICING WTH ACCT XXXX. SO WE SET UP SLS ON AUTOMATIC PAYMENT WITH THE PREVIOUS NAMED ACCT NUMBER. XX/XX/XXXX WE RECEIVED A LETTER FROM XXXX THAT THEY ARE OUR NEW SERVICER WITH THE ABOVE MENTIONED ACCT XXXX. WE TALKED TO XXXX 4 TIMES. PAYMENT FROM LSL HAS NOT BEEN SENT TO THEM. WE HAVE RECEIVED 3 LETTERS FROM XXXX AND XXXX PHONE CALLS SAYING WE ARE LATE. SLS HAS OUR MONEY. XXXX SAYS THAT THEY CA N'T FIND THE MONEY. WELLL DAHHHHHH ... ..SLS HAS IT AND THEY WONT GIVE IT BACK. 
SO AS OF RIGHT NOW : WE OWE {$2700.00} PLUS NOW OUR TAXES ARE LATE BECAUSE NO ONE HAS OUR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX, around XXXX XXXX XXXX, my BOA checking account made two unauthorized transfers through XXXX  to unknown accounts. {$1000.00} to XXXX, XXXX, and {$500.00} twice to XXXX, XXXX. Neither do I transfer to these two accounts, nor do I recognize either of these two accounts or names. I saw the e-mail notification at XXXX, and tried to contact BOA, but it was not their working time. I got in contact with BOA agents in the morning several times and they said they had filed a fraud claim for me and reset my passwords. But till XXXX XXXX, I could not see any claim on my online banking page yet. On XXXX, I clicked one spam link in a fake XXXX e-mail and stayed for 30s, I didn't know whether there was a connection between fraudulent transfers and the spam e-mail link. Maybe my phone got hacked. 

I am extremely frustrated and anxious at this time. {$2000.00} is a huge amount of number for a XXXX XXXX. I can not live without such money. I also maintain a clean banking account since XXXX, the time I first came to the US. So, please help me get my money back!

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The last verified, date open, closed date, creditor type, payment frequency, the comments and remarks are being reported incorrectly. please removed this damaging information from my report. 
Account status TransUnion show Derogatory, XXXX, and XXXX shows paid. 
Also date opened TransUnion show XXXX XXXX XXXX. And XXXX XXXX 
Last Reported TransUnion shows XX/XX/XXXXXXXX XXXX XXXX and XXXX show XX/XX/XXXXXXXX 

Comments : TransUnion stated Settled- less than full balance. 
Comments : XXXX Account legally paid in full for less than the full balance. 
Comments : XXXX : Settlement accepted on this account or paid account/zero balance. 

Im requesting that this account be removed from all 3 Credit reporting agency. Please investigate this account! I know if it is not reporting correctly this needs to be deleted off my report Sincerely 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 2016-12-02
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Went through the exhausting process of refinancing with Nationstar Mortgage and closed my loan on XX/XX/2016. XXXX should have been closed the week before but when the closing XXXX came to my home my husbands name on the documents were not correct. Yes, they had a persons name on the documents I have never heard of. The documents were corrected and loan closing was done on XX/XX/XXXX. I was told after XXXX days funds would be wired to my XXXX mortgage lender ( Nationstar ) and my XXXX mortgage lender XXXX XXXX XXXX XXXX XXXX. This has not been done as of today. I call my loan XXXX XXXX XXXX with Nationstar and he told me the loan had funded on Monday XX/XX/2016. Again, no one has been paid off yet. I have called the closing company and the person that was handling my closing will not call me back or answer emails, her supervisor and every other single person I have tried to talk to there will not call me back. I have tried to get Nationstar to get to bottom of this and even they promise to call me back but do not. This has put me in a very bad situation as I was told not to pay my XXXX mortgage in XX/XX/XXXX and now its XX/XX/XXXX. I have kept my XXXX mortgage paid up. Today I finally received a call from the title company stating there was some sort of date issue on the paperwork????? No clue and they said they were working to resolve???? None of any of it makes sense to me and they could n't explain it either. I also asked why almost XXXX weeks later this is my first and only notification of anything???? Again, no answer. I feel there is some sort of fraud going on. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Representative promised to wave a non-sufficient fee of {$20.00} XXXX months ago and the charge is still showing. When I paid my mortgage over the phone the Rushmore Rep put in the wrong digit for my bank account and the payment didn't process They charged me for their mistake. I explained to the Rep what happened, the rep said they would waive the {$20.00}. I saw it on my account to date on my online account. This happened approx. XXXX months ago and the charge was not waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: NATIONSTAR MORTGAGE LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
nationstar mortgage company ( NS ) assumed our motrgage in XX/XX/XXXX and did an escrow analysis. this analysis stated we did not have homeowners insurance and added a monthly charge of {$34.00} for the cost of them paying for and securing insurance. On XX/XX/XXXX I called them upon recieving my monthly statement /mortgage bill and was told there was no insurance on acct and would have to provide insurance voucher and charge would be removed. I faxed insurance coverage and payment information effective XXXX and paid in full for the year ( {$390.00} ). NS acknowledged reciept of fax and stated they would remove after another escrow analysis was complete which would take XXXX15 business days. I called up on a weekly basis until XX/XX/XXXX and nothing was ever done to remove these charges which were accumulating as overdue payments at the rate of XXXX per month. I have been paying the origional mortgage amount but the insurance pmt has not been removed to this date. I should not have to pay for something that has already been disclosed as active, never lapsing and paid for. they stated they had to buy insurance for me but i have never recieved any insurance information from them, carrier, coverage, options etc. I have made 12 calls to NS for a resolution, spent 45 min per call and was promised it would be removed but as of this date it has n't. I do not want my credit to be affected by their inability to retract this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have failed to provide me with proper documentation to prove that this account in fact belongs to me. Billing statements do not suffice as proper validation, and you have refused to send me anything proving that I entered into an agreement with this company. I demand this collection be deleted from my credit report as it is a direct violation of my consumer rights under the Fair Debt Collection Practices Act. I have already turned this matter over to my states attorney general, and Im prepared to seek litigation for monetary damages. 


Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/27 I received the payoff amount from a VW dealership and confirmed with both the dealership and VW credit that this is the payoff amount when I traded in my vehicle at any dealer. When I tried to trade in my car, VW then sent a payoff amount for fair market value which was $ XXXX over the payoff amount originally sent to me in writing. I could then only sell the vehicle to their dealer for even less than I was being offering in trade value. Then when I sold it the dealer took an additional {$500.00} off which they did not inform me about until I was signing paperwork. To me this is deceptive and when I spoke to them they stated it could take up to two months for them to send me the equity check. Now they will have the car in their possession for however long it takes for them to send me the check so they will essentially have use of a car that I am not being paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: NC
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 reached out to Equifax and revealed my complaint about not having this vehicle. I requested them to prove the signatures on the contract loan if any. I also see that the company has shifted to another company by the name of XXXX XXXX. I need this item removed from my report immediately. I have included the letter with all the necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
Equifax is refusing to process my dispute request. I have been blocked from filing an online dispute due to the account being closed by Equifax without my approval. The account was closed with inaccurate information and needs to be corrected. I also requested that my Consumer Statement be updated and have not received any update to my request. I contacted customer service by phone on XXXX, XX/XX/2022 to request an update and was told that my new Consumer Statement was updated and I needed to wait 72 hours and it would be available. I checked back on Sunday XX/XX/XXXX and my account has no updates. I also mailed my dispute to Equifax on XX/XX/XXXX making my request in writing to correct the inaccurate information on my XXXX  XXXX Account and My Consumer Statement. Equifax has not made any changes to my account as of the date of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Based on the information, I will provide below, I AM REQUESTING THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT/CREDIT FILE BY XX/XX/2021. 


Please remove it from my credit report/file. 
1. DEPTEDXXXX ACCOUNT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I submitted a check for a mobile deposit in the amount of $ XXXX.The check was from XXXX for paid family leave. The next day XX/XX/23 I received a confirmation e-mail the check was successfully deposited but wouldn't be available until XX/XX/23. The same day I received another e-mail saying my account was restricted. The same day I proceeded to call to find out what was going on. After numerous attempts to get ahold of an agent finally I was able to get ahold of someone. An agent told me they needed to verify the sender of the check. She went ahead and called XXXX to verify the check but couldn't get ahold of anybody. She told me to call the next day earlier in the morning. The next day XX/XX/23 I called and another agent attempted to verify the check but said the lines were busy and to try to call back later in the afternoon. I did just that and another agent told me later that day that my account was being closed and thanked me for the years of banking with them. I asked why and she said they have the right to refuse service to anyone and I would not be allowed to open another account with them. I asked what would happen with my money and she said I would receive a check for the money from my savings. I asked about the check and she said I could go ahead and deposit it somewhere else. I went ahead and deposited the check to another checking account I have at XXXX XXXX. This past Friday XX/XX/23 I checked that account and saw the check bounced because XXXX XXXX  still has a hold on the check when I was told otherwise. I try to call and get sent to the resolution department line which is just voicemail. When I try to talk to an agent as soon as they look up my account I am transferred straight to the resolution department voicemail again. I've made various attempts to get ahold of someone and have left voicemails in the resolution line and nobody has gotten back to me to this day. This issue has taken almost XXXX weeks and it's not resolved yet and I have not heard back from anyone. Agents I was able to get ahold of have given me misinformation about what is going on. My account and check are on hold. I do not have access to my money. Need to pay bills which I was going to use that check for. I do not feel they are taking my case seriously. I believe it should not be taking this long to investigate my account and verify the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: Velocity Portfolio Group
State: NV
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:
On XX/XX/XXXX, I was served with a summons at my home for a lawsuit. The options to select in this complaint are about being sued in a state where I don't live, but this complaint is because CKS Prime Investments is not licensed in my state as a collection agency as one of the several complaints I have with this lawsuit. 

I sent a certified response to their attorney XXXX XXXX on XX/XX/XXXX. I asked for the XXXX, the forward flow agreement between CKS Prime Investments and who they have listed as the original creditor XXXX XXXX XXXX XXXX . And lastly, I asked for an original contract with wet signatures between myself and CKS Prime Investments. 

In response, I receive a package from Attorney XXXX which contained several months of statements and a bill of sale. In the bill of sale, it appears that an organization called XXXX XXXX XXXX XXXX XXXX may have sold or transferred a batch of accounts to CKS Prime Investments , LLC. This in no way provided me any evidence which I asked for. There is no way that that bill of sale identified my " account '' as being part of this transaction, it also did not show where The XXXX XXXX XXXX  assigned anything to CKS Prime Investments , LLC. 

In the lawsuit, it claims that The XXXX XXXX XXXX sustained damages and those damages were passed on to the plaintiff CKS Prime Investments , LLC. It mentions that " Plaintiff  is informed and believes and on such information and belief alleges that each of the fictitious names Defendant are in some way responsible for the damages sustained by Plaintiff  in this action. '' What is meant by fictitious names? As my name as a natural person is verifiable and is listed when referring to me as a defendant. 

The lawsuit alleges that " Defendant defaulted on the account on or about XX/XX/XXXX ''. And " On or about XX/XX/XXXX, The XXXX XXXX XXXX or its assignee, assigned or otherwise transferred to Plaintiff  ''. However, in the bill of sale which was mentioned above from XXXX XXXX XXXX, it clearly states the purchase/sale was entered 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 explanation
Consumer complaint received 2023-02-09
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The car XXXX XXXX XXXX was a total loss XX/XX/XXXX. XXXX ( my insurance ) paid XXXX XXXX {$20000.00} for a XXXX used vehicle when my pay off was XXXX plus an additional XXXX XXXX monthly payments I was making since XXXX XXXX. I have emailed them multiple times requesting the " prior damages '' I still owe and until this day I have not received any reports or a letter stating what were the " prior damages '' and now my credit score is been affected. I have also called multiple times and since it's a recorded line they do have it on records. I need your help please to help me resolve this matter because they refuse to close my 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 2022-11-13
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX  has kept calling my husband 's mobile phone ( XXXX ) asking for me but never stating their purpose, XXXX, but never on my mobile phone of : XXXX in order to state the nature of the call. To my knowledge, they had both of our phone numbers and had automatic payment setup but instead now they have forwarded us to a collections agent! This is not the customer service that my XXXX  XXXX provided when he XXXXXXXX XXXX  XXXX as a XXXXXXXX XXXX- this is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: AFNI INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have no idea what it is and why its on my report. I was a minor so i have no idea why theyre saying I owe anything. I would like proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from the company or who they are.

Company response to consumer: Closed with explanation