BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-05
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Fidelity Credit Services a certified letter in the mail disputing the account and requesting information of the validity of the account. They never got back to me. The letter was sent on XXXX XXXX. I have the tracking and confirmation of the receipt. The tracking number is USPS XXXX. On XX/XX/2019 Fidelity appeared as a collections on my credit report. I tried calling them in XXXX and told them I was disputing the existence of the account and that I needed proof of the amount owed. They told me they were not going to provide me with anything and that I should contact the original creditor or my credit report would be ruined in XXXX. The amount is {$4800.00}. I do not believe I owe any of the amount. A judgement was never awarded against me. I never authorized any charges and I never opened any account with Fidelity nor the original creditor. The original creditor was my previous landlord. I payed rent every month early and provided him with a 30 day notice upon moving out. The claim is his word against mine. The amount he requested was {$4700.00} for damages. He would not provide any receipts or evidence of the damages he thought was done. I told him I would be more than happy for him to take me to court for that amount and to get a judgement in his favor, but he would not do it. I lived there for 2.5 years and there was minimal damage beyond aging of the dwelling. The original creditor would not provide me with a judgement or appropriate evidence of the amount owed and instead turned it directly over to Fidelity and has refused to respond to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-18
Company: Experian Information Solutions 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:
I initially disputed XXXX account # XXXX with Experian on XX/XX/2022 however the company didn't complete the investigation within 30 as outlined by the FCRA. The above referenced investigation is XXXX. The company did not respond until XX/XX/2022 which is nearly 60 days later. This account has never been paid late and should be removed from my consumer report at once.

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 2021-12-02
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this debt collector has violated several of my rights under the Fair Debt Collection Practices Act. I have never done business with this company and there is not a contract bearing my signature that i owe this company. This is false and misleading that i owe this company any amount of money which a direct violation under 15 U.S.C 1692e This company has damaged my consumer report by furnishing an account under false pretenses and committed Identity Theft. according to federal law 15 U.S.C1681s-2 '' A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate '' I will be filing a complaint with the attorney general and will pursue litigation

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 2023-07-10
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I financed a XXXX XXXX through Credit Acceptance XX/XX/XXXX for {$26000.00}. The vehicle was unfortunately totaled XX/XX/XXXX. After the insurance company made an insurance payment of {$10000.00}, Finance Charge Rebate of {$10000.00}, XXXX cancellation of {$2000.00} and a few payments made by me, Credit Acceptance made a settlement of {$800.00} in lieu the balance due of {$4300.00} XXXX. 
I have found out that I have been denied credit due to the balance still reporting as " outstanding '' on my credit reports. I am a business owner, and I was trying to obtain business loan financing which require a check of my personal credit. I was told on more than one occasion that this outstanding negative debt was the reason I was denied even with a 700+ credit score. 
I was denied a $ XXXX loan at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX $ XXXX Equipment leasing loan $ XXXXXXXX I contacted Credit Acceptance on XX/XX/XXXX and spoke to a regular customer service representative and their supervisor. I advised them of the error that was reporting and that I was being denied credit due to their error. I was told they would mail me a credit dispute form that I would have to mail back to Credit Acceptance so that they could research the issue. This process is now 2 months in.

I called today and spoke to a rep who advised me that they did receive my dispute letter, and it has been resolved. I asked for the resolution info, and she said it was not available. This is where my frustration sets in with them. It is a long-drawn-out process that is costing me time and money. Not to mention the opening of my new location has been delayed because of this. I also provided them with THREE letters that they sent to me which says that I have settled the balance in full but yet they are still reporting to the credit bureaus that my balance is outstanding. I mailed those 3 letters back to them as proof that THEY know that I don't owe them anything. But still, they continue to report a balance on my credit reports. This has cost me a lot of money. I researched Credit Acceptance and what they are doing to me has happened to others and even worse. I need help with this resolution to these unfair credit reporting practices, please.

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 2022-06-09
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX  ) was bought or merged with Nation Star dba Mr. Cooper. I have had my mortgage with XXXX since XXXX of XXXX and been making payments. I set up auto pay and it didn't work, fortunately I was able to notice and called to make the payment manually for the month of XX/XX/2022. Now its XXXX and I am unable to make my payment when calling Mr. Cooper. When I called XXXX it was routed Mr. Coopers call tree and they, Mr. Cooper are saying my loan is still in processing and I can not make a payment at this time .... its the same company. 

This is causing a financial impact by being unable to pay down my principal which would reduce the interest I am being charged. Also, puts me at risk with missing a payment as I can't make a payment to them .... which has the ability to affect my credit score. 

This is causing me to pay more interest than I would otherwise causing a negative financial impact on myself. 

When I made my formal complaint to Mr. Cooper they then tried to say it was not the case but that is exactly how interest works ... its based on the current principal. Which I am unable to pay down. 

Plus it being XXXX when they have the loan already as they, Mr. Cooper, owns XXXX now. 

XXXX yr fix conventional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : ( item/accounts/information ) 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 2023-07-10
Company: DISCOVER BANK
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of XXXX trading for 8 years! I finally got my life back and all these charges and cards are not my fault or mine at all! 

Discover Bank XXXX Bank XXXX XXXX finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First of all our mortgage and our home equity loan is with Wells Fargo. 
.We purchased our Condo In XX/XX/XXXX the lender Wells Fargo gave us a mortgage and home equity loan right up front, our Realtors didn't tell us this was not good to do. Our purchase price was {$170000.00}. 
.Several years later the guy who owned the XXXX XXXX . walked away and they ended up having to Auction off about 1/2 or more of the remaining condos, they sold for about {$80000.00}. 
.So at the present we are under water our house is not worth what we paid for it, it is accessed at {$83000.00}. 
.My husband has been on XXXX for about 6 years, and gets a very small pension and I am going to retire this coming XX/XX/XXXX. 
.The Home Equity loan has an interest rate of 11.250 % and our mortgage is 6.75 %. The home equity is killing us it never seems to go down. 
.With my husband on XXXX and me retiring in XX/XX/XXXX I am not sure we will be able to make the {$1000.00} on the mortgage and the {$360.00} payment on the Home Equity. Our money will be less coming in at the time I retire. 
.We went to Wells Fargo several months ago and asked to refinance and they said there was nothing they could do for us. Because our house wasn't worth what we paid for it. 
.At that time they never told us about a modification which a person from another bank said they should have maybe suggested. 
We don't have a clue what to do, but we went to the XXXX XXXX XXXX bank that we use and they gave us your name to contact in order to see what we could get done with this loan. We really can't afford to lose our home but have a feeling if we don't get help that may happen in the near future.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XX/XX/XXXX  addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this report.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is reporting inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX The account Pay Status of the account was recently updated to Account paid in Full was a Charge-off from Sold : was a Chared-off. I didnt make any payment but this account was updated. This is either misconduct or negligence by Transunion reporting inaccurate updates in my consumer report. I am requesting that Transunion provide clear documentation that XXXX XXXX XXXX furnished this report or take responsibility for the update. 

This account has continued to cause pain to myself and my family. It has continued to jeopardize my financial progress leading to loans, mortgages, credit card, and auto loan denial. I recently filed a dispute against Transunion on this account with CFPB ( send attachments ). Clearly, Transunion didnt conduct the investigation to verify the accuracy of the account as reported.

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 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with Mr Cooper and I submitted my tax exemptions months ago. The mortgage didnt come less but {$300.00} more and Ive been calling and finally spoke with one person who didnt know what to say and told me they will call me back a month a go and nothing. Ive been trying to reach someone and they hang up. I cant get a hold of anyone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We had two ( 2 ) accounts with Citibank. 
They closed one of our accounts around XXXX, so we have only one active account with them. 

On XX/XX/XXXX and XX/XX/XXXX, they applied our payments ( {$860.00} and {$610.00} respectively ) to the CLOSED account that has no activities to offset which resulted in interests on our CURRENT account. 
Upon discovering the error, we made double payments to current account in an attempt to minimize interests charged. 

We have made repeated attempts to rectify this error and they credited one small amount ( {$19.00} ). 
We feel we should be reimbursed for the full amount ( {$75.00} ) as this is their error and we have been paying on a timely manner. 

{$94.00} - {$19.00} {$75.00} They have refunded us a check of {$1400.00} ( {$860.00} and {$610.00} ) on XX/XX/XXXX rather than apply it the proper current account that may have triggered a reversal of these interests.

Their last response was their denial of full refund. 

I will attach copy of their response along with our research which should be easy for them to verify.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Please update my address to : XXXX XXXX XXXX XXXX CO XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1974 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Boa closed my account without reason while my account was in the negative due to financial hardship. Bank of America falsely reported potential fraud on my XXXX XXXX  account. I never committed fraud and its affecting me opening up accounts with other banks.

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 2022-06-09
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed my account with XXXX & XXXX on XXXX of XXXX  and returned all equipment owed to this company. I have email confirmation that equipment was received and all debt was settled. Starting in XXXX of XXXX  my wife began to receive collection statements from Convergent Outsourcing Inc. indicating that she owed {$480.00} due to a collection from XXXX XXXX XXXX XXXX XXXX XXXX  ). She is now receiving a letter from a new company called XXXX XXXX XXXX saying they are willing to take a smaller amount to settle this balance. I contacted XXXX XXXX XXXX to have them review my account and they indicated that not only did I not owe them a balance but that my account closed with a credit of {$5.00}. The XXXX & XXXX account was in my name, not my wife 's.

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 2022-06-09
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed one collection agency on behalf of XXXX XXXX XXXX XXXX. the account was not to my knowledge. it was removed from my credit. XXXX a collection. Sequium Asset Solutions was placed on my credit report for {$3400.00}. This debt was removed once.

Company response to consumer: Closed with explanation