BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/21 Called and spoke to XXXX in Collections to get out of forbearance and start paying back regular loan payments and add missed amount to the end of the loan which was told I could do so when I took forbearance process due to out of work due to XXXX She advised me to submit Loss Mitigation Application which I did through the website. Called back on XX/XX/21 and spoke to XXXX in Collections which transferred me to XXXX in Loss Mitigation Dept and she told me application would take 4 wks with underwriters and that mine was still in review. Called back again XX/XX/21 at XXXX and we would owe {$6600.00} and she had checked to Hardship department and they told her that I was approved for Deferment Referral and I would receive a letter about that. Called then back XX/XX/21 at XXXX and spoke with XXXX XXXX Collections that transferred me to XXXX XXXX Hardship Dept and she told me that she didn't see any application submitted on my account and that since I have a Farm Loan on the property that the Deferment Referral is not an option due to the type of loan I have ; was on hold 30 mins while she " checked '' to see if they had my application. She didn't show application so she transferred me to BRACE Dept and I spoke with XXXX since I need to get application into system. XXXX helped me complete the Loss Mitigation Application since it didnt go all the way through due to documents needing to be attached ( I thought it went through 2 wks ago ) but that doesnt help the fact that people were giving me completely bogus information that was not correct. XX/XX/21 at XXXX FINALLY was able to print/fax application & documentation since the website wouldnt allow the application to be submitted. XX/XX/21 at XXXX Spoke to XXXX in Collections then transferred to Supervisor/XXXX  with Hardship Taskforce Dept since there has been A LOT of miscommunication and false information given to me via phone calls within the last two weeks. SupervisorXXXX was great with reassuring my situation will be taken care of and he apologized for any false information given.

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 2018-04-27
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concerns, I received a call from XXXX XXXX on XX/XX/XXXX and I agreed to pay my settlement which is {$3000.00} by the end of XX/XX/XXXXand they had it on record tape. But the they after which is XX/XX/XXXX they withdraw fund from my account and left a negative balance + overdrawn fee in my account. I called them and they admitted that it was their fault and agreed to pay the overdrawn fee for me. But I am really not happy with it since 6 days with XXXX balance in my account and I need to pay so many things before the end of this month. Can you please help to file a claim against this company. And if it's possible I would like to get my money back since they act was against their words and I didnt receive any mail or notice ahead of time. They basically just called and rushed me to pay for it. Please help. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2022-11-21
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I received my loan through Santander consumer USA back in XXXX of XXXX. 
My husband lost his job back in the middle of XXXX spoke to Santander about payment arrangement had payment arrangement set was making monthly payments my last payment was XXXX XXXX XXXX  they closed my account XXXX XXXX XXXX have not received a phone call email or any kind of statements or bills in the mail from them since then my car got repossessed last night and I was informed that they reopened my account and put a repossession into effect without my knowledge. I also was under the understanding that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I can not get anyone to give me any kind of information on how to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The following hard inquiries currently showing and listed on my XXXX, XXXX and Trans Union credit are unauthorized and not my hard inquiries : XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX and 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 explanation
Consumer complaint received 2021-05-17
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Nemo 's Collection on XX/XX/2021 and I have no recollection of doing any business with Nemo 's Collection. I am in the process of contacting Nemo 's Collection but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: GA
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 have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Commonwealth financial is reporting to collections outside of the statue of limitations. They are sending me to collections six years after a bill. They never sent me a bill nor contacted me. The statue of limitations to report a debt is 4 years this bill was from XXXX and didnt report it until XXXX. I want these bills removed immediately! It is in the amount of XXXX and some change. The company is changing their story and refusing to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Account Resolution Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXX Ref # XXXX, has violated my rights and fraudulently placed an account in my name that I do not have any knowledge of, owned or opened with this creditor and yet somehow I recently received a letter from them in the mail for a discount payment of a debt I do not owe them. 

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 15 U.S.C 1681c. ( 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: MS
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:
I have unauthorized inquiries on my credit report. I did not authorize any of those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I have sent multiple letters to this consumer agency to update my personal information, remove debts that do not belong to me, removal of Inquiries that I was not aware of nor authorized, removal of inaccurate information, updating my credit score, request to have verifications of debts mailed to my residence. I have asked for a copy of my credit report mailed along with my updated credit score. What is being reported in inaccurate information which has impacted my livelihood. For months, I have written letters to get updates and nothing has been done. Online, this account indicates that it has not been pulled since XX/XX/2022. This is abuse of power and bad business practices.

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 2023-09-19
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
We have been trying to work with Freedom Mortgage for almost a year now. We got a little behind and after that we got to a point where the company wouldn't allow until to make a payment and we hired a company called the XXXX XXXX to help us they didn't help us at all. We have children age XXXX and XXXX we have memories and want to keep our home. We have done everything we know to do do. Can you please help us. We submitted everything Freedom Mortgage requested and it seems like the information would time out and then they would request more since XXXX of XXXX  and now we are in XXXX and basically about to be homeless. At one point in this process we did refinancing and because the notary didn't sign her middle initial that caused alot of issues. We just want to be able to resume payments and keep our home.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2018-05-07
Company: EQUIFAX, INC.
State: DE
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:
What happened? 
two of my XXXX XXXX, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXXXXXX XXXX to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXXXXXX XXXX  president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: IN
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 was under the XXXX forbearance plan and XXXXXXXX XXXX reported my account XXXX as delinquent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit bureaus. This account was paid in full in XX/XX/XXXX. Also they have me confused with someone else from the letter that is dated XX/XX/XXXX that XXXX XXXX sent to me. ( See Attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent debt was added as in collections by the company in question. Last year I was the victim of identity theft and all other fraudulent accounts have been removed by XXXX  and fraud alerts have been placed on my accounts. I was a victim of fraud/identity theft in XXXX as well as XXXX. My last date of dispute was : Company : LVNV FUNDING LLC 12 XXXX Submitted on : XX/XX/XXXX File number : XXXX Completed on : XX/XX/XXXX CONTACT INFORMATION LVNV FUNDING LLC XXXX, SC XXXX RESULT : Disputed information was verified as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX. VENMO asked for my personal banking credentials TWICE, once through an online interaction and once from a representative of VENMO that I called. I had considerable monies in that bank and did not give it. They acted as if this was normal. This is very risky and they should NEVER ask this. 

XXXX. They show me VENMO transactions that my adult son makes. I don't know if he can see my transactions as we don't talk much. This should not happen. 

XXXX. Lots of spam from them and they make it very difficult to get any meaningful support. The said I got some money from my brother and I can't receive it now. Am working with them on it but extremely painful to access any customer support by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27
Company: Commonwealth Financial Systems, Inc.
State: OR
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:
On XX/XX/2020 an outstanding debt of {$60.00} was listed as a collection debt on my credit report. It lowered my credit score by 30 points. It was reported by Commonwealth Financial XXXX XXXX for : XXXXXXXX XXXX XXXXXXXX XXXX. I have contacted XXXX XXXX they have to knowledge of this debt and have attempted to call Commonwealth Financial with no success. I am disputing this debt and believe this fraudulent.

Company response to consumer: Closed with explanation