BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother passed away XX/XX/XXXX and I have been making mortgage payments on the property every since then. 

I have submitted all documents proving that I am the sole beneficiary of the estate and property at XXXX XXXX XXXX XXXX, Ga XXXX. 

However, my name is not listed anywhere on the account. 

I have contacted the mortgage company regarding my assumption of the mortgage. 

The response was, XXXX XXXX you ARE listed on this account, so you do not NEED TO ASSUME THE MORTGAGE. 

However I now know this statement to be FALSE! 


I am required to assume the mortgage in my current financial situation. 

This assumption would allow me to get the financial benefits from the VA in my name as the owner. Which I can not do until this home is officially listed as mine. 

I provided the documentation last time I contacted Consumer Finance in XXXX. However only one of of the two issues got resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Reason of request : The below inquiries are fraudulent and NOT authorized by me. I called and spoke to XXXX and they informed me they will not send me a letter stating this inquiry was not authorized. They also informed me that it is Transunions responsibility to contact them before they can even speak to me about it. Regardless, the below inquiry from XXXX is fraudulent, and the below name and address of the inquiry is NOT me nor my address. Please remove these from my credit report. 
Reporting agency : Transunion Hard Inquiries Paypal via XXXX on XX/XX/2023 Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Inquiry Analysis was submitted by someone using my name but a different address than mine and one that I have never lived at.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Viewed my credit report today and there is an inquiry listed that I have no idea what it is for and it is not even under my correct name. 

XXXX XXXX via XXXXXXXX XXXX  XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX I have no knowledge of this inquiry and did not authorize it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was opened in my mother 's name. She is XXXX and legally XXXX and XXXX. My mother did not open this credit card. None of these charges was signed by her because she has been unable to sign her name since 2015. The bank is unwilling to give me documentation of these transactions. These charges were not made by her and the person who signed for and made this transaction needs to be charged. This is elderly abuse and exploitation. I have spoken to XXXX XXXX the branch manager on numerous occasions and to much avail she has offered me no assistance and she has disregarded my emails.

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 2022-03-13
Company: Consolidated Information Services Solutions, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed today that yesterday on XXXX XX/XX/2022 a hard inquiry appeared in my credit report that I did not authorize. It was labeled at " XXXX. XXXX XXXX  '' and had no other business information except the name UNIVERSAL CREDIT SER. I have not authorized a hard credit pull on my account and do not know this company. It is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Accredited Collection Service, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX at XXXX i recieved multiple back to back calls on my work phone from Accredited Collection Agency. The man called even after being told it was a business line. 

This is harrassment.

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 2020-07-21
Company: EQUIFAX, 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:
FTC Violations XXXX {$1000.00} XXXX {$5200.00} XXXX   {$470.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Never live at these addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX XXXX Acct # : XXXX 15 U.S.C. 1681 Section 602 A : States I have a right to privacy.

15 U.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account with 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 adverse item of information, other than records 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 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 non-monetary relief
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of America settled a class action lawsuit in XXXX that I should have been a participant of. My account was froze in XXXX causing 6 checks to be lost for 3 months. I have been forced to accept a loss of {$4100.00} due to unauthorized charges from the bank sending card to wrong address and I don't think I will be able to just give up. Bank of America used deceptive practices to defraud me of those funds and have not been held responsible for that. The settlement states any customer whos account was froze after unauthorized charges is a participant and I have proof this happened to me causing disconnect of utilities, phone, car insurance. I followed their protocol but have not heard anything back after 15 emails and other attempts to contact Bank of America. They cut all communications with me. I need assistance with this issue. I also would like a copy of the settlement orders and since CFPB was one regulator that did find the liable for those issues I don't see the issue with receiving a copy. Please instruct.

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 2023-07-11
Company: ROYAL UNITED MORTGAGE LLC
State: GA
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:
This is my formal complaint to XXXX XXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last XXXX digits are XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My XXXX credit report has inaccurate information. I was never late on this account. In the payment history section for the month of XX/XX/2023 there is an XXXX? With no payment being reported. In the payment received section it says {$0.00}?. I dont understand because I have paid this account faithfully from the open date. Both of these sections need to be updated immediately. Not only is this incorrect on XXXX, but its also on my XXXX credit file. This is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Ray Klein, Inc.
State: CA
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:
XXXX XXXX XXXX XXXX closed account that does not pertain to me. Identity theft. Been calling for 2 years straight with no resolution. 

XXXX XXXXXXXX XXXX XXXX - XXXX closed account that does not pertain to me. Identity theft. Have called multiple times since XX/XX/2023 with no resolution. 

XXXXXXXX XXXX XXXX XXXXXXXX open account that does not pertain to me. Identity theft. Called XX/XX/2023 and explain I will report as fraud. No resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Bread Financial Holdings, Inc.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX mailed in a check for {$16000.00} to payoff my Comenity/BJs Mastercard. Comenity cashed the check on XX/XX/XXXX. The {$16000.00} was never applied to my account. I sent in 2 seperate disputes with no resolve. XX/XX/XXXX, all Comenity/BJs Mastercard accounts were transferred to XXXX XXXX. XXXX XXXX has no record of any of my disputes and I can not get in contact with anyone at Comenity to help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with the debt collector four times asking them to validate the debt and I also informed the debt collector that I am not responsible for the debt. I sent in all required documentation however they have not yet reached back out to me after I sent the documentation in which was in XXXX of 2021. I am now wanting the original creditor as well as the debt collector to seize all collections of debt. According to the FCRA they are required to complete investigation and validate within 30 days in which they are in violation of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: NC
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:
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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached document to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.

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 2018-12-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went online to obtain my credit report from Equifax. Answered all the questions to the best of my ability ( looked up the answers to the questions asked since the questions were about lenders that were more than 5 years ago and paid off ). After answering, a message appeared that I could not get my report. I waited 24 hours tried again, the same message came up. I then called to straighten out the issue and 3 different phone representatives gave me 3 different answers and you can barely understand them due to their accent. I have now waited 48 hours and am still getting the same message of not letting me get my report. I have also tried to enroll into My Social Security and was told that Equifax is not letting me enroll. Who has so much power of my Social Security? I am hoping that my complaint will help my issue with this credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: Chime Financial Inc
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/23 I was fraudulently charged {$760.00} by XXXX XXXX XXXX without authorization. I contacted Chime immediately to dispute and get a replacement card. Chime denied the dispute with no evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express was told not to send marketing advertisements or solicitations to me. American Express continues to contact me about accounts and new applications. I have registered with the Do Not Call, made specific email and address opt outs, and I continue to receive solicitations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Peer Advisors, LLC
State: NE
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
My grandma passed away and XXXX XXXX XXXX XXXX  I know that my grandma had a reverse mortgage attached to her house and so I first start communicating with my grandmas reverse mortgage company back. Then I asked for appraisal and they refused to communicate with me and I, when I finally communicated with me I asked for a second appraisal they was gon na give me a short sale for {$30000.00} but in the meantime Covid hit him and I didnt have the {$30000.00} to pay off my grandmas reverse mortgage, but I did file a complaint for the lack of communication and off the record. They told me that they are not trying to kick me out of my house And so I did not do anything more in the meantime XXXX XXXX XXXX XXXX XXXX XXXX at a house fire and so my insurance company finally settled my claim so I start communicating with the reverse mortgage company again to pay off my grandmas reverse mortgage with the proceeds from my insurance company OK and I sent my second or third complaint I filed against this reverse mortgage company and because they refusing to give me an appraisal. My grandmas house when I live in it the last appraisal was {$30000.00} my grandma and then I could live in the house at that time. OK theyre trying to get me to pay off {$86000.00} reverse mortgage of my grandmas because its been out of a year been longer than a year and Which is fine OK but I can only violate the rules they allow me to violate the rules, and they violated their own rules by getting me to live in my house for as long as I did it to have a house fire, and to begin with the rules only applied them OK when its convenient for them when they can get more money out of me thats unfair. I shouldve never been allowed to live my house for that long to have a house fire. Therefore I feel that I should get my appraisal and I shouldnt have to pay off {$86000.00} reverse mortgage OK for a house thats inhabitable I want to be able to. I will have nothing left to fix my house or do anything with my house at that price

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Byrider Franchising, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Subject : Formal Notice Regarding Account Payment Discrepancy Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CNAC, I hope this letter finds you well. I am writing to bring to your attention a recent discovery regarding the payment method for my car finance account. 

Upon careful review, I have realized that I have been making payments on the account incorrectly. In an effort to rectify this matter, I would like to officially document this discovery and inform you of my intention to discharge this debt either through a XXXX or by properly endorsing the promissory note. 

For transparency and good faith, I want to express my reluctance to settle this account using Floating Rate Notes or bi-weekly ACH, as it may inadvertently place me in a position that conflicts with Congress 's definition of an enemy of the state which I wish to avoid. 

Furthermore, I request the release of my vehicle title from the XXXX, as there is no longer a lien on the collateral. Additionally, I request the deposition of any securities and FRN payments made into my XXXX account. Failure to comply with these instructions may be considered securities fraud, as defined by Congress and the U.S. Treasury. 

It is crucial to clarify that I am not willing to participate in activities that could potentially involve securities fraud or operate outside the appropriate fiduciary role. As I am not a member of the XXXX XXXX XXXX, I can not pay debts in FRNs and insist on an alternative resolution. 

I appreciate your prompt attention to this matter and look forward to resolving it amicably. You have 21 days from the delivery of this notice to assist in rectifying this matter. No collections on the account and/or repossessions of the vehicle can take place. I can be reached via US Postal Mail and email communications. Do not call or text me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: CO
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:
equifax is reporting an account that is unverifiable, it has no name, address, or phone number for me to contact. I have sent them THREE letters regarding this reporting on my credit report they removed two of the accounts but they respond back saying this one is " verified '', The law states : FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) I have included all three letters as well as the copy of the credit report. 
They are in violation of multiple FCRA statutes and this account needs to be removed immediately.

Company response to consumer: Closed with explanation