BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: Capital Accounts, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Capital Accounts LLC reported to XXXX, XXXX and XXXX that I owed an amount of {$420.00} from a creditor named XXXX XXXX XXXX XXXX. On XX/XX/2019 I sent my dispute via certified USPS mail to Capital Accounts LLC,  XXXX, XXXX and XXXX. In my dispute letter, I requested validation of the debt from Capital Accounts LLC. The  debt validation that I requested was : Who was the original creditor on this account, and what was the account number? What was the original amount owed? I asked them to provide a complete payment history, starting with the original creditor. I requested documentation that indicates that I agreed to pay the reported amount of money. I requested the original date of delinquency for this account. I requested a written agreement that grants Capital Accounts LLC the authority to collect on this alleged debt, or proof of acquisition by assignment. I requested how much Capital Accounts LLC payed for this account, and how did they calculate the current amount owed. Capital Accounts LLC has never responded to my dispute by mail, email or telephone. Capital Accounts LLC has been non-compliant with with the Fair Debt Collections Practices Act by not responding  to my dispute neither have they validated to me the debt that their company reported to the XXXX, XXXX, XXXX. Capital Accounts LLC reported to Transunion in response to my dispute that the reported debt was paid off and the balance was currently {$0.00}. This is proof that this debt is invalid, fraudulent or was payed off to the original creditor prior to this collections being reported to the three named credit bureaus. I've attached documents of my dispute that I sent to Capital Accounts LLC via certified mail and the documents from XXXX with their findings in response to my dispute. I am requesting that Capital Accounts LLC remove  this debt that their company has reported from my credit report from all credit bureau agencies permanently as soon as possible. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions 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:
I have been trying to get XXXX removed from my XXXX and Experian credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXXof XX/XX/XXXXalso per the law any debt over 7 years old should be deleted from the credit report. I want XXXX to remove both loans from my XXXX and Experian Credit file

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

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 2023-01-26
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: Was not notified of investigation status or results

Complaint:
It's been XXXX days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my account with Citibank and they continued to keep a recurring ACH active on my account. This ACH withdrew funds from my XXXX XXXX XXXX account into the closed Citibank account. I have no access to the funds and Citibank denies making the withdrawal. 

I have an email from Citibank with a transaction number and all the details from my XXXX  XXXX XXXX account showing they made the withdrawal. 

The account was closed on XX/XX/XXXX. They made the withdrawal on 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 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 want to file a complaint with Transunion credit bureau because there are a few errors or items that I have hard evidence to have removed or edited. After creating and submitting disputes with evidence and or letters the company generates a reason to not investigate. It states that the items disputed are proven not to be on my credit report, however that wouldn't be the case if I was able to create a dispute. 


Please look into the matter, I would like to have you investigate before taking legal action.

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 2019-01-23
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had to file a CFPB compliant to get my {$400.00} promotion from Citi bank. They finally awarded the promotion after and excessive amount of time. I just received my XXXX and it states that I earned {$800.00} from two promotions. I can not trust this banks record keeping in any way and caution anyone who uses this bank to review their statements carefully. To fix the issue I would like Citi to issue a new XXXX or send me a check for the {$400.00} that they said they paid 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 2018-05-01
Company: BB&T CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
A letter was sent to me explaining my final payment due in XX/XX/XXXX from XXXX XXXX XXXX XXXX. Since then I received two phone calls in the same day XX/XX/XXXX which I could not answer as I was at work. No message was left on my phone for this. On the same day my husband who is not on the lease received a phone call and a message was left with him discussing my personal NPPI as to the detail of they are trying to collect a debt and the dollar amount they are looking to collect. I did not give consent of contacting my husband as he is not on this lease with me. I feel this is a violation of Privacy, FDCPA and this is a deceptive practice. There have been a number of complaints about this on the XXXX XXXX XXXX about this company doing this 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 explanation
Consumer complaint received 2015-08-11
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
charged for lenders expenses paid by mortgage company. No summary of payments No credit report of these fees, new mortgage company requested a payoff and received new numbers includin the XXXX lenders expenses paid XXXX Making the new loan amount with the new company XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I started receiving emails from Wells Fargo on XX/XX/XXXX about my contact information was changed and my checks are the way in mail. I do not have a checking account or savings account with this company ( Only a credit card ) ; therefore I called this company as I suspected fraud. After 1hr on the phone all that was accomplished is they said there may have been an error and they would take the email off that account. I then received another email to a different email I own saying my information was updated. I also received an email thanking me for visiting a branch in South Carolina when I live in Florida.

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 2018-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is trying to intimidate with their fraudulent tactics after I signed and agreement no 2015 cornered by their lawsuit against the house ( foreclosure ) I signed before that I always was in loan modifications but I didn't signed meaning I made the 3 payments but never signed the papers.. becouse mostly the agreement was for the company not for me at all on 2015 the balance was {$360000.00} that was lawyers payments and all the charges they made ( madeup ) the house wad listed for {$140000.00} but it eas ok I didn't end up homeless with my family they have me signed paper that up to now i don't understand becouse the are charging everything sinse a got their affordable work out wich was never affordable becouse the explained to me that after1 year they will be adjusted not a loan modifications but a different way to help me I'm in disability the know my income is fix most of the time. The firts months of the work out they claimed I own them. Money again after thw workout. First they said it was escrow now they claimed is becouse they are paying again THEIR LAWYERS. I don't understand but their lawyers send me many papers they claimed is the way their agreement is and I have to follow it {$5600.00} again every time i make a complaint their lawyers send me a hole bunch of papers mostly lies. But that's the way bank of America new way of changing people fraudulent tactics has to stop. Last time I make a complaint. They send me the police all this nonsense is making me sick my doctor agreed and everything is documented i will make this public I don't care about privacy becouse the got me all works out and I hope a lawyer see this and help 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 2018-05-01
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH cashed a check for the wrong amount, it was {$1400.00} and they input {$1000.00} on XX/XX/2018. Then then sent us in default, charged late fees, and never even credited the {$1000.00} to our account!! I have called, they refuse to let you speak to anyone in the accounting department, they said that that department doesn't take phone calls. They also refuse to respond to emails. I asked how this would be resolved and the customer service rep said that they would look into it when they get a chance and would eventually withdraw the money from our account. He didn't know why we weren't credited for the {$1000.00} that they took and didn't know if or when they would be able to correct it so now we show that we have a missed payment!!! 

I asked over and over to speak to someone in a department who can help me and they simply refuse. I am so frustrated with this company. I would honestly refinance just to get rid of them but interest rates are higher now than when we got our loan. I don't know how else i can contact them every number published leads to the same outsources call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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:
I have been trying to get XXXX removed from my Transunion and XXXX credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXX also per the law any debt over 7 years old should be deleted from the credit report. I want XXXX to remove both loans from my Transunion and XXXX Credit file

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 2019-10-26
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:
I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
transunion, should you choose to ignore my evidence and my disputes, litigation shall comense first violation 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? 
XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. 

thats where you got your information fROM Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates THE LETTER FROM THHE COURTHOUSE IS ATTACHED THE COURT NEVER GAVE YOU PERMISSION NOR DID THEY VERIFY ANY INFORMATION WITH YOU violation 15 usc 1681a- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
In short terms YOU TO have investigated & verified they must have spoken friends, neighbors or associates etc. and if they spoke with them the information Provided can not be factual ANOTHER COMPLAIN SHALL BE FILE WITH THE ATTORNEY GENERAL, SINCE YOU CAN NOT VERIFY THIS INFO AND STILL CHOOSE TO REPORT UNVERIFIED INFORMATION ON MY REPORT XXXX XXXXXXXX removed it because they also could not verify it. so please tell me who you spoke to at the court house, name address and phone number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was tricked into a negative amortization loan in XXXX. I did not really qualify but my loan officer told me they would " make me '' qualify. I purchased a home and got a loan that was way over my head. When I requested to refinance out of the loan the same loan officer said it would cost {$48000.00} to buy myself out of it. In XXXX I started a loan modification with the original servicer, Aurora, but they never completed my review, kept losing my papers, etc, etc. I finally received a loan modification from Nationstar in late XXXX XXXX as a Tier 2 modification. It was still something I could not afford, but I borrowed money to make. I borrowed from my XXXX, my pension and even my parents. In total upwards of {$50000.00}. Now I am having difficulty again, but Nationstar will not review me for another modification even though the government program allows for it. Nationstar states that the " investor '' refuses to give another modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Their investigation did not fix an error on your report

Complaint:
Contacted XXXX no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Innovis
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: Personal information incorrect

Complaint:
I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation