BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CA
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:
Im submitting 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/block any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-09-21
Company: Revolution Financial Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX  I got misleads by a scam and lost money through my Revolute account. Immediately after Ive realised that it was a scam and fraudulent, I have reported to bank and ask to recover money back. 
Total amount transferred to fraud account is XXXX and it was multiple transactions. By transferring the money through Revolut I trusted the platform believing the bank can track know the XXXX  of the beneficiaries. But here Revolut doesnt take any responsibilities or protection for client money and transfers the fund to any without knowing anything about the recipient and their track records. This is dangerous and against the rules and practises in place in XXXX. This is supporting criminals and fraudulent activities. I believe understanding these less security measures fraudsters are using this account to get money from innocent victims and based on my online search, lots of XXXX citizens already lost lots of money via Revolut account. Ive immediately reported this to Action Fraud, Met police and all my other bank account companies. I have given my id and personal informations to this scammers without knowing it is a fraud. I dont know how Revolut handing peoples money with having any regulations in place? Are they licensed in XXXX to operate? If so people like me are unaware about that and please there will be more victims like me in the future. Im really concerned about this financial institutions, a credibility and legitimacy.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2018-05-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
A mysterious secured loan account appeared on my credit reports from XXXX XXXX XXXX, it states that it was open on XX/XX/XXXX, states that it has been 30-59 days late with payments, last payment on XX/XX/XXXX, and that the account is now closed.  I did not open and secured or unsecured loans in over a year.  I have never heard of XXXX XXXX XXXX.  This is fraud.  I have contacted them and the credit bureaus and it still is showing on my credit reports. XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: SunTx Capital Partners
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/XXXX, I called the finance company to make my last payment, as I always called in my payments. I was informed that I owed {$8500.00}, which I was unaware of what that was for. My last payment was only {$1800.00}. When I asked what the {$8500.00} was for, the representative was unable to tell me what the fees were for. He simply said he did not know, and the system did not indicate what the extra amount was for. I immediately disagreed and I followed up with a second phone call in XX/XX/XXXX, wherein I spoke with a different person, and that person again was unable to tell me what the charges were for. All he was able to tell me was that it was my balance due, and I needed to pay in full. I was getting nowhere by with my phone calls in attempting to get this serious issue resolved so XX/XX/XXXX, I decided to write them an email requesting a copy of my contract and full disclosure of my account payments, fees and any miscellaneous charges. I specifically requested for them to highlight the paragraphs explaining what the extra fees were for. NO RESPONSE WAS RECEIVED. 
NO DOCUMENTS WERE EVER SENT, CONTRACT WAS NOT SENT EITHER. 
I called again in XX/XX/XXXX, and again I was told they did not know what the charges were for, I just needed to pay the balance due of {$8500.00}. I called again in XX/XX/XXXX, and XX/XX/XXXX, the story was always the same. I decided to review my credit report to find out what they were reporting and noticed that throughout the life of the loan, no payments were reported late which confirmed what I was telling them that I did not pay late so I should not have any late fees. I called the finance company again in XX/XX/XXXX, when I noticed that they started reporting late payments and their actions were causing a negative impact on my credit by causing a decline of my credit scores. When I called them, I let them know that in the four years I called in to make my monthly payments, I was never told the payment was late, nor was I told there were any late fees added to the payments. I was never told the payments were late and I NEVER received a late payment notice by email or by mail. This was the FIRST TIME I had ever heard of any fees, which was strange because they waited until I called in to make the final payment. TO DATE, I have been told I have to pay the {$8500.00} if I want them to release the TITLE for my vehicle. I have since decided to start paying on the {$8500.00} even though my auto loan has been CHARGED OFF, instead of reporting Paid as Agreed. I am unable to make the full payment as they are requesting but will continue making monthly payments until this is resolved. PLEASE HELP!

Company response to consumer: Untimely response
Consumer complaint received 2023-06-26
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: Personal information incorrect

Complaint:
I legally changed my name from XXXX XXXX to XXXX XXXX and i am unable to update this information with transunion and XXXX  both accounts have locked me out or given me error messages when attempting to login to my account. I can only access XXXX XXXX but i am unable to update anything as the XXXX site says to go to the transunion site. i am literally just trying to update my name and login to my accounts. I have all the proper documentation and court orders for my updated name and information. I need to know where to send it. XXXX had me file a dispute form and upload the documents but i am unable to do that for the other 2 companies. But i also have not been able to file any disputes with the other 2 companies as my accounts always give error messages. It honestly seems intentional like a way to prevent people from filing disputes. its making my life really difficul because of this error that is showing up with my name change in the XXXX and XXXX tax systems. Please let me know how to move forward. thank you.

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 2021-06-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted Equifax repeatedly in writing, by phone and by fax. I have asked them to remove inaccurate information from my credit report and provide an accurate copy to my lender so I can close on my house. This process has been going on since XX/XX/2021. My lender can not not get any information from them and I can not move forward with my loan. I do not know what else to do. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
There is a court order signed by XXXX XXXX saying " the interest portion of the debt can not be enlarged beyond the figure it represented on XX/XX/2007 ''. 

XXXX XXXX XXXXXXXX and Select Portfolio Servicing have ignored and violated this order and have continued to add fees, late payments and the like on to the account in question in violation of 12 U.S. Code 2605.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$580.00} XXXX  XXXX {$280.00} XXXX XXXX  XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-17
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a check in for {$2200.00} to Avant ( the credit card company ) approximately XX/XX/XXXX. My bank confirmed that the credit card company endorsed and cashed the check on XX/XX/XXXX, and provided me evidence of such. As of today, XX/XX/XXXX, this amount has not been applied to my balance. I have contacted Avant many times via phone and email, and they " escalated '' my problem on XX/XX/XXXX. They have not responded with an update, an explanation, or anything at all, and have not applied the amount to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: TX
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 am writing to express my utmost frustration and concern regarding the multiple attempts I have made to rectify fraudulent items on my credit file with Credit Bureaus. Despite my continuous efforts to remove these fraudulent entries, they persist, and they are severely impacting my financial standing. 

Over the past several months, I have made numerous attempts to dispute and remove these fraudulent items from my credit file. These fraudulent entries are not only inaccurate but are also damaging my credit score and my ability to secure financial opportunities. Despite providing the requisite documentation, I have received several responses from your bureau indicating that these fraudulent items remain on my credit file. 

I can not stress enough that these fraudulent items are indeed inaccurate and are not associated with my financial history. I have attached the necessary documentation supporting my claim. It is imperative that these discrepancies are resolved immediately to prevent further harm to my financial well-being. 

Enclosed, please find the following documents : A copy of my credit report with the fraudulent items highlighted. 
Copies of documents proving the fraudulent nature of the entries. 
Any previous correspondence I have received from your bureau concerning my disputes. 
I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent items from my credit file. Doing so will help restore my creditworthiness and prevent me from being unfairly penalized for fraudulent entries that are not my responsibility. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, confirming the removal of the fraudulent items, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
TransUnion stated that they have granted my request to remove an account identified as identity theft XXXX XXXX  and would send my results in the mail. TransUnion has not updated my account and has not sent me any results.TransUnion will be held liable for their inaction on this matter. I will be contacting the AG and sending my cfpb results to FTC. I have already make a complaint with the XXXX TransUnion is obligated by law to make sure all information reported is 100 % accurate and can and will be held accountable. Im demanding this information be deleted and Confirmation of the deletion immediately!

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 2015-07-13
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a mortgage payment on XXXX/XXXX/15. My mortgage was paid off completely on XXXX/XXXX/15. The payoff amount did not include the payment made by me on XXXX/XXXX/15, and so now I am owed approximately {$3900.00} from the mortgage servicer. It has been over 30 days since the payoff of my mortgage and the servicer has no information whatsoever on the refund they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company has been insisting that I 've been past due on my mortgage payments since they took my loan over from previous loan holder ( XXXX XXXX ). I have sent them proof of payments XXXX now and they still will not resolve the issue in their system. The problem is a miscommunication between them and the old mortgage company they took the loan from. My credit report is showing 90 days past due within the last 12 months, which is preventing me from refinancing my home ( which is what i 'm currently trying to do ) and also I can not receive my overpaid escrow money from 2014, and also it is loweriing my credit score every month. This is very frustrating and every time I call Nationstar mortgage ( once a week ) i get no help, no update, and feel like I 'm starting over every time I call. I have a " dedicated loan specialist '' whom is never available and does n't ever return my voicemails. You guys are my last hope to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed item must be investigated. 

1. Number of the account reported by you is not matching with number reported by Creditor XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I respectfully request you to process the investigation as prescribed by my rights under the FCRA.

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