BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Due to covid 19 we did what we thought was the right thing to do, that was turn in vehicle a XXXX  we could not continue to pay on. After this XXXX XXXX XXXX hired Smith Debnam law firm to collect the amount they did not sell the vehicle for which they sold not at fair market value. I called the law frim to set up payments, they did not agree to payments. I sent a payment of {$500.00} dollars in an attemp to strat to pay some funds back. YET I did not here back from the law firm and the law firm took out a judgement against me. Now the same law frim as threatened to take out a Writ of Execution. IM a 100 percent XXXX veteran and now only have that income from the federal Veterans Administration. I have no big bank account funds, i have no real property. I told the law firm company that I XXXX XXXX DOB : XX/XX/1955 would pay XXXX as i could to pay off the debt that should have been settled by the sell of the new vehicle. I have no funds for to hire a law frim to counter act all this hard ball actions from Smith Debnam law firm, they have had several complaints against them in the past years, both in state and federal court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a forbearance at time of covid. And in XX/XX/XXXX there was a loan modification made. But on XX/XX/XXXX due to unpaid maternity leave, we applied for forbearance. We asked XXXX  months. We were granted 1 month. When we asked why several times, no one at any time advised or informed us that we were allowed ONLY XXXX MONTHS OF FORBEARANCE FOR THE LIFE OF THE LOAN. 

We were even told last week after several times asking why was it only XXXX month and not XXXX months that they could only XXXX XXXX months at a time and we should reapply afterwards. Yet only XXXX month was approved. But never we were properly informed of such crucial information for a XXXX year loan. 

So today after speaking with XXXX, he said the reason why we got only XXXX month instead of the XXXX months requested is because we were up to the XXXX months. To our surprise we objected saying we were never informed of such important notice even when asking and making request for forbearance in the past, nor the last time till now. We are feeling defrauded by Quicken Loan, whose team have repeatedly mislead us to believe XXXX thing but came up with another since the time of having them XXXX  years ago. We have been several times mislead but this time was the too much to handle! 
We are making a formal complaint to have this revised, reviewed and revisited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
15 USC 1601 I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions 's identity Theft Affidavit. Please delete the items as soon as possible, otherwise I will be suing.

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 2023-05-16
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

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 2022-02-05
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Too XXXX  overdrawn with 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 2023-02-23
Company: EQUIFAX, 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 consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.SC 1681 SECTION 602 A states I have the right to privacy 15 U.S.cC 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 1691c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have disputed these erroneous account multiple times because I do not recognize this debt. The company did not preform a proper investigation therefore the account wasn't removed. The company insists that the account is mine although it is not. If there is an account with them in my name it is a result of theft. I have filed an identify theft report. There are XXXX accounts with XXXX XXXX. XXXX XXXX  XXXX Account number XXXX and XXXX XXXX  XXXX XXXX  Account number XXXX. In addition, the company keeps changing the charge off date. The charge off is over 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
accordance with the Fair Credit Reporting act XXXX Account, 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 Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-24
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this collection company Caine and Weiner the amount agreed upon. Years later, the debt is still listed on my XXXX  credit report. It has been removed from the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TMX Finance LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I had a lone from TitleMax which is paid off about a month ago and asking them to send me my title in the mail and they agreed its been another month l have not got my title back l tried to call them several days and telling me that it takes three weeks now I have been told for the third time another three weeks so Im helpless to get my title since then they are not answering my phone call or telling me what to do to get my title back. 
Please..l believe I can get help from you to solve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied credit card and rejected my application got the letter on XX/XX/2018. My application id is # XXXX. After contacting customer care they said they were not able to find credit history and asked me to send SSN fax. I did my SSN fax on XX/XX/2018 and confirmation number is # XXXX. Between XX/XX/2018 and XX/XX/2018, an inquiry made by CITIZENS BANK was added to your credit report. They rejected my application because i am staying in USA on XXXX XXXX XXXX, Credit report manager confirmed this on XX/XX/2018 evening around XXXX XXXX. Why they pulled my credit report again? What is the need of those many times doing hard inquiry? They didn't inform about that. Kindly do the needful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: I.C. System, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IC Systems added a collection account to my credit XXXX XXXX from the original creditor XXXX XXXX. The dates on my account have been re-aged and are therefore illegal. It shows the account was opened XX/XX/XXXX for a term of 1 month and my balance was past due as of XXXX XXXX XXXX This account was opened back in XXXX with XXXX XXXX as The original creditor and XXXX was 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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ) XXXX I XXXX XXXX ( Original Creditor : 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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts listed are in violation of the 15 U.S. Code 1681. Due to the inaccurate reporting, I would like these accounts removed there was no proof or signature that I own this debt. This Is Illegal!

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 2020-08-05
Company: Harpeth Financial Services, LLC
State: AL
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 received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My ex wife asked me to sign a quit claim deed so she and her boyfriend could get my name off mortgage in which I sign the quick claim deed she then modified the mortgage on our joint property that we own together in order to remove my name from said property that was over XXXX years ago now I have not only my name on the property but an extra {$60000.00} in debt that I never signed any of this paperwork I did sign a quick claim deed being told that that starts the process of me getting my name off the property but I was not told in any way shape or form that I was going to be modifying the mortgage I never gave Nationstar my permission to do that I would have never signed any of those contracts I am taking my ex to court over 2 times they have all been found in contempt each time of violating the divorce decree but she does not have the credit nor the ability to refinance the property because now the property is owed {$160000.00} its value is only worth {$70000.00} I am remarried and this now cost me my financial ability because I am still in debt on that property with no way to be able to remove it please help me in this situation Nationstar Mortgage did wrong by doing this. There is no way for me to be able to sell the property I have tried to do that but she owes way too much. And what am I supposed to do for my children out on the street I do n't think that would work anyhow this is going to cost me my second marriage by this continuing on please email me or contact me by phone for any questions thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX the first I was told I had to do a loan modification to keep my home I was behind 90 days they refused to help me get caught up on XXXX XXXX XXXX I was rushed to the hospital XXXX .so any way then on the not XXXX I was issued a terrible attorney letter from XXXX XXXX XXXX XXXX Indiana then on the XXXX of XXXX I was sued by nationstar from the court I had a case number so I called nationstar so they told me numerous times to diss regulars any letters from the court I was in a loan modification well after another hospital stay and XXXX I went to a XXXX seminar they told me to file a complaint that all these fees XXXX dollars in attorney fees etc is all illegal they are helping me to work this out but I was vey XXXX and have XXXX of equity and these people wants to push me out of my home with my XXXX XXXX XXXX mother I the care of I have filed a complaint XXXX as well Indiana my loan number is XXXX I did n't even want a loan modification then I get a phone call today I have been denied XXXX XXXX XXXX and to keep my home I now need a crazy figure my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am working with the get XXXX program with my state and they are going to help me but they told me to file this complaint beaus why thy di under my loan modification was illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Glacier Bancorp Inc.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First Security Bank/Glacier Bank Loan Mortgaging Service/XXXX XXXX XXXX After we purchased our first home we have had many problems with our mortgage. The first came in 2021 when we received notice that our property taxes were delinquent. We contacted the bank and they came back to us saying they had miscalculated our mortgage payment and lowered it from {$1700.00} to {$1500.00}. They also let us know they would be issuing a refund check from our escrow. We also later found out that the reason why it had not been paid in the first place was because XXXX XXXX XXXX had the wrong parcel number on our loan. Again in 2021 we received another letter stating our taxes were delinquent and a lien was to be placed on our home if not paid. After contacting the bank we received a call that " they weren't sure why it wasn't paid, but someone was hand delivering the check that day. '' This month we received a statement that our mortgage payment was going up from {$1500.00} to {$2200.00}. It said our escrow account was almost {$5000.00} in deficit and they were going to take those payments over a 12 month period. Upon contacting the bank they said that seemed unusually high and would look into it. They ended up finding an error, but did not say what it was. Our payment is now down to {$1900.00}. They said we never paid for the taxes on our home just the property. We have looked into this and according the the county treasurer and department of revenue all our taxes have been paid and are up to date. If we owe taxes on the house, it seems like this would've came up much sooner than a month before we are supposed to pay this new amount. It feels like someone at the bank made a mistake and we are now paying for that to cover them.

Company response to consumer: Closed with explanation