BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a VA home loan through US Bank. In XXXX, I left my work position XXXX to care for my XXXX mother living in my residence in XXXX XXXX, XXXX I continued to make payments from my savings and was up to date on all payments. My mother passed a year later. At the time she was renting my property while I lived in XXXX. Upon her death, I consulted a real estate agent and property management company who told me my property was significantly lower than what I paid. If I tried to rent, it would also cost a significant amount of money and I probably would n't make enough to cover my loan payment. So I spoke with US Bank and decided to do a short sale under. During my short sale XXXX XXXX to XXXX ) I received at least XXXX to XXXX sales proposals that US Bank took so long to make a decision that the proposals fell thru. Mostly due to US Bank asking for information they already held, unreasonable time limits for information, and just plain inability to be timely. I missed XXXX deadline where the information came in over a holiday weekend and was for the purchaser 's decision. The next day I received an email from the Bank rejecting the application and shortly after a notice of foreclosure. I still continued to make payments until it depleted my savings. I have XXXX and extreme XXXX and was unable to work during this period. So my savings was all I had. Once the last application was rejected, I put in a request for deed-in-lieu. This was early XXXX, I have yet to get an update from the bank. I started working again in XXXX XXXX. I called the bank and wanted to see what my options were for the loan. I was told, I would be unable to make payments if I could n't pay in full. I asked was there a chance for a payment plan and was told no. No options were provided to remedy the situation from the bank. So I left my loan in deed-in-lieu status request. This is a small listing of the issues I have had with US Bank. I really feel personally the bank is taking advantage of me and veteran 's in general trying to personally ruin credit and defraud the federal government in delaying veteran short sale requests. Not really sure where to go from here, but I want this situation over ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: Glass Mountain Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
No communication with me ( alleged debtor ) Company acquired my work contact illegally.

Contact has nothing to do with any financial contracts, they are a work colleague.

Company keeps calling my contact and leaving voicemails for me. 
If I call that number they will report the debt to reporting agency and state that I called them confirming acknowledgement when I was only trying to call them to stop them harassing my contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION BUREA is required to remove account not later than 4 business days after the receipt. Also, the information provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
You fit send my acct to collections when Im paying direct from bank account every month XXXX XXXX closed my account and never advised me and I have more acts with them in excellent standing My XXXX was back in XXXX The XXXX information is compromised because my information was hacked in their system and I have the proof so theyre reporting wrong information in my credit.

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 2023-01-13
Company: EQUIFAX, INC.
State: LA
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/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: AL
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 is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-30
Company: R.M. Galicia, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
About 7 yrs ago I was helping my daughter with insurance I had it in my name until she was able to take it over with steady income. My daughter got sick with that came XXXX of both hands and couldnt no longer drive. The agent at the time knew how I was helping my daughter. I called my agent while my daughter payed up in the hospital fighting for her life and I canceled the insurance. They still tried to pull it out of my account knowing it wasnt there. I guess my agent threw me under the bus to save her job, not sure why things happened the way they happened. Why are they coming for it now after all these yrs?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MO
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 have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: WV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed the information on my credit report with XXXX in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
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 believe that my identity is stolen. No one told me about any investigation I kinda assume there was something going on but when I saw my credit report, I have lived all my life at XXXX XXXX, and there is out of state from my credit. There is a lot of fraud on my credit report I even lost my job

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 2019-04-23
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an ongoing issue with XXXX for almost 3 years now. I returned their equipment at my expense on XX/XX/XXXX and it was delivered at XXXX I was told that I would be charged {$350.00} for an early cancellation fee which was untrue as they kept changing their minds and decided to bill me whatever amount they felt like billing and whenever they wanted to. First I'm told {$350.00}, then I'm billed {$480.00} and then they tried to charge my credit card {$650.00} on XX/XX/XXXX-they 're not consistent. To continue, I wasn't credit for the returned equipment AND THEY ADDED {$53.00} A MONTH TO MY BILL FOR PREMIUM CHANNELS THAT I NEVER ORDERED/AUTHORIZED WHICH I WASN'T CREDITED FOR EITHER. I have so many letters, emails, many addresses for XXXX and no one ever replied. I have received calls from collection agencies. I had to start making payments as they were ignoring my requests for review account etc ... and in the end I realize that they truly want to get {$650.00} from me more or less for the following reason : As of XX/XX/XXXX I've paid XXXX {$400.00} and this month I received a letter from Diversified Consultants showing that my balance is {$240.00}, add the XXXX that I've paid and the total is {$650.00} which is ridiculous in so many ways. I know that many folks have filed complaints against XXXX and with good reason-look what they did to me and continue ... I've asked many times via postal mail to review and reduce my bill but they never did-they don't care, they don't have problems sleeping at night nor they have a conscience so why should I allow this to continue when they owe me money? It's always the same ... Last, while I am retired I'm also XXXX and they didn't care about this one bit nor did they care about how their lies added to my daily, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-02
Company: Experian Information Solutions 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 reached out to all three credit bureaus to let them know that I was a victim of identity theft and I have no knowledge of these accounts that are reporting. I have also asked for verification of all accounts which they have failed to do. My identity theft report from the federal trade commission is also attached to this report. 

XXXXXXXX XXXX  XX/XX/XXXX {$8100.00} XXXX XXXX XX/XX/XXXX {$7800.00} XXXX  XX/XX/XXXX {$1500.00}

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 2023-01-13
Company: Experian Information Solutions Inc.
State: WA
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: AL
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 Went to To Car Dealership, They Told Me They Would Run Credit Once and It Was Ran Several Times. 

XXXX 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 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 2023-05-03
Company: SYNCHRONY FINANCIAL
State: FL
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 cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My car was stolen with all my personal information and now I see that someone is attempting to open accounts using my personal information. I have not given anyone permission to access my credit

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 2022-08-16
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against CURACAO for committing identity theft. I have never given CURACAO any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from CURACAO before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CURACAO can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CURACAO can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CURACAO continues its collection efforts, I will file for litigation for actual damages caused and CURACAO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: ND
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:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I was dispute items on my credit report on transunion I saw another SSN on my profile that not mines ended in XXXX and they told me it's no other one on my profile I told it's on the dispute side and asked me to call to dispute I asked to speak with a manger on Saturday XX/XX/22 and he couldn't see the he saw it on another login screen and said he was gon na put in a ticket for maintenance to remove it and escalate to remove two items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That not mines I keep disputing these item and doesnt want to take it off especially when I say another ssn on my report and my name was spelled differently on there as well

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 2023-05-03
Company: Bread Financial Holdings, Inc.
State: FL
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 cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Prosper Marketplace, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was not having success processing a payment via the credit card app so I called to process a payment. I was told the payment would be made but it never was. Weeks later, I followed up about the payment was able to process the payment for the month. I only processed one payment and confirmed for one payment. A few days later, an additional payment was processed that I did not authorize. I attempted on more than three occasions to receive help from customer service over the phone and online and I was rejected from any help in regard to the issue. I was denied any help for processing a payment without my authorization so I reported the transaction to my bank and then my credit card was blocked.

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