BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Accounts : Reason : Tangible Proof Needed From Creditor ASAP XXXX XXXX XX/XX/2018 To whom it may concern, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5.
Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2020-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Western Funding Incorporated on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but western funding incorporated took cash. The Finance charge is suppose to include insurance, but western funding Incorporated made me purchase insurance separately.

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 2020-10-12
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought a mobile home but my mobile home is not complete due to whats going on with the hurricane and the COVID-19 ... so I called that I wasnt going to be able to make my payment cause I had to quarantine ... and they said that they couldnt help me cause its a mobile home ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for XXXX  and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.

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 2021-07-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX XXXX. My social security number is XXXX XXXX year of birth address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX .my complaint is that XXXX XXXX refused to removed all the hard credit inquiries off my credit report I have a total of 25. I already sent them a federal trade commissions report of identity fraud and they add a fraud alert but never removed the inquiries that affect my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: SLM CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Sallie Mae Bank negligently permitted an unauthorized individual to remove over a half million dollars from my money market account starting XX/XX/2019. This happened over more than a month with huge amounts being fraudulently withdrawn day after day, after day, sometimes more than once a day. They were totally unaware that it was going on for weeks, they never notified me and I had to notify them about the problem. 
After I notified them, they froze my account, including non stolen funds, and I have not been able to get at my money for weeks. Sallie Mae was very unhelpful, never contacted me to get the account restored, refused to permit me to escalate the matter, and their consumer advocacy arm did nothing. They said they were working hard at it but blamed it on their 'new system '. They did not follow through with what they assured me they would do. They waited weeks to send me needed documents to sign instead of doing so immediately, thus keeping me from my funds now, weeks later. I felt they were totally protecting themselves and looking out only for their interests and had no regard for their customer. Law enforcement and other banks who reviewed the matter could not believe how ineffective their fraud prevention was. Officers of the bank did not respond to me despite numerous emails and calls. I feel no one should feel safe leaving their funds at Sallie Mae. Even trying to contact them was a nightmare with no one answering phones for long periods of time and then telling me only that the account was frozen. I still do not have access to my money and have had no reassurance that I would be fully compensated for their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: LEXISNEXIS
State: NV
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 sent several emails to LexisNexis because they are providing incomplete and/or unverifiable information about a public record or Bankruptcy to XXXX XXXX  and XXXX 
LexisNexis informed that the information is verified to the 3 major credit bureaus but they havent verify that information. 
Please see the attachments as evidence and as my last request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Shellpoint Partners, LLC
State: FL
Product: Credit reporting, credit repair services, 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:
on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 

on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 

on on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 
I contacted XXXX  on XX/XX/XXXX and they advised that Shellpoint Mortgage reported that 1st Delinquency XX/XX/XXXX, which per FCRA and FDCPA it will remain 7 years after reporting of 1st delinquency till XX/XX/XXXX. 
This account is an old account, it is delinquent and 1st Delinquency date is XX/XX/XXXX. Also this Account was filed in court and dismissed. The court documents filed shows that 1st Delinquency was XX/XX/XXXX. 
I disputed all credit bureau reports, I explained what I noted above, the results came from Shellpoint Mortgage services with barely no change. They did not remove it from my report I sent a letter to Shellpoint Mortgage Services explaining the same. No response. However they updated my reports as I noted above. 
They are in violation of the FCRA and FDCPA. It is affecting my life and my credit worthiness. I have a score of XXXX average before this inaccurate reporting by Shellpoint and now I have XXXX average.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been a customer at Bank of America for years. Checking, Savings, Credit Card, and even a mortgage at one point. For years the bill pay operated in the very predictable way of debiting my payments on the date set by me ( due date ) and these payments were all made through ACH. Without any notice, BAC started sending some payments ( randomly ) by paper checks causing confusion and delays in payments ( 2 or 3 weeks ). I believe this is designed to create fee income such as NSF. I have contacted BAC multiple times and have rudely been told that " the system chooses how to send the payments in the easiest way ''. Really?! So the " system '' thinks it's easiest to send my XXXX payment by paper check and the USPS, but it then sends my XXXX XXXX and other credit card payments by ACH, as it did for years before. The " system '' also now sends my XXXX, XXXX, Utilities, and XXXX XXXX payments by paper check instead of ACH. These are large financial and service entities and the " system '' thinks it's easier to send a paper check? 

I was told to delete the accounts from bill pay and then set them up again. I did that and nothing changed. I've never changed any payment addresses or account numbers. BAC did this arbitrarily and without notice or explanation. I was also told that I needed to verify with the payees that the address was correct in order to send through ACH. I did that also and when presented that information to BAC, it was confirmed the information entered for these payees was correct. At that point, I was told they couldn't explain why some payees were being sent paper checks and that " the system '' can not be changed. Really? Because it was changed after YEARS of going through ACH to paper checks. 

BAC actually has on the bill pay site that addresses are automatically updated by payees. Great. So why did you go from ACH to paper checks without any changes being made by myself or the payee? 

Clearly, BAC is using this confusing and intentionally burdensome process to increase the possibility of a customer slipping up and causing a NSF. It's a ploy for fee income. Otherwise, why can't they offer a reasonable explanation of why this was changed for some payees and not others, and why they gave no notification of this change until it caused NSF and I had to jump through hoops to find out what happened and why. Even then I was treated with indignance and complete disregard.

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 2021-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They took my money but have not responded regarding my loan and will not refund the money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX assumed servicing for TIAAs home financing products earlier this year. My 1st lien position HELOC was transferred to them on XXXX XXXX. Since that time, my payments have been misdated, misapplied, and now theres around {$19000.00} unaccounted for. I have reached out to XXXX and TIAA dozens of times for resolution, but sufficient answers have not been provided. TIAA has acknowledged that there are issues with XXXX XXXX of HELOC accounts, but Im just continually asked to be patient. This is the third month of constant problems, and my patience is exhausted. XXXX is violating the terms of my contract with TIAA, and TIAA doesnt seem keen to prevent further injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/XXXX I sent over a letter to Transunion Credit Bureau to remove hard inquiries on my credit report that I did not authorize. These accounts have been removed from XXXX and XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with non-monetary relief Company 's Response XXXX XXXX XXXX, XXXX  ( XXXX XXXX investigated your complaint. We closed the XXXX account ending in XXXX, ceased all calls and other collection communications regarding the account and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your dispute, we closed the XXXX account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. 

Equifax is still reporting this account which actually was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX commits fraud and places inaccurate information on consumer reports in an attempt to get them to pay for debt that cant even be verified or validated. They placed a debt for XXXX for {$570.00} on my report with a reporting date on XX/XX/XXXX. They do illegal things in an attempt to pressure consumers. 

I mailed a letter the XX/XX/XXXX requesting validation. The address they have on file is incorrect as well. They are fishing and I refuse to pay a debt thats not mine that cant even be verified of validated. Both actually. Its been over 30 days I called the credit bureau as well as this address thats invalid is on my credit report now which puts me at a safety risk for my persona information. They are refusing to respond and if theyre responding with the unsaid address putting my personal information at risk which breaches HIPAA. I called today XX/XX/XXXX gave my actual address. The gentleman was nasty and sharp no customer service at all. 
This account needs to be deleted and removed from my credit Bureaus reports immediately for failing to validate within 30 days. 

I can add my usps tracking info it was delivered success Lu my letter to you and you guys did not validate

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 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 got an alert that a data breach was found and my info was stolen. I now have a XXXX XXXX XXXX XXXX & a Bank of America credit card on my XXXX XXXX credit report, my identity was evidently used and stolen. Ive lived in XXXX ohio since i was XXXXyrs old n now im XXXXyrs old ... i did not use these 2 strange accounts and they are very recent. Im upset and can provide any info to prove im not guilty of these. I can be reached at XXXX XXXX my name is XXXX..and id like to file a dispute with XXXX XXXX and anyone else for that matter. Now i have to change my password again. Thank you for your time

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 2018-12-28
Company: EQUIFAX, 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXXXX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I got {$2500.00} loan from XXXX XXXX XXXX in XXXX XXXX Ca, about 1995. But before the semester was over, I got injured at work so I could not attend any of my clauses any more that I notified them right then. few years later a man name XXXX XXXX from collection agency was calling about my student loan which was several times a day harassing me, saying " he will put me in jail if I don't pay up ''. I did not have any income but I agreed to settle with less and pay up in two payments. I sent them a cashier check for {$1100.00} and I supposed to pay another {$1000.00} in a 2 moth to settle the full amount. But right after a week I was getting bills and calls from them for the amount of over {$4000.00} that I am still paying it that every so often it goes back to the {$4000.00} again. is there any way we can wipe off?

Company response to consumer: Closed with explanation