BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is reporting a charged-off account to TransUnion that I was never responsible for. I was only an authorized user of the account and now that it has charged-off, I can't be removed from the account. This is hurting my scores and making it impossible for me qualify for a loan.

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 2019-08-05
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company XXXX XXXX XXXX and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that XXXX XXXX is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX  ). This company is in volition of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Notified by Bank of America ( BOA ) by email ( XXXX  XXXX ) on XX/XX/XXXX that my email was updated on XX/XX/XXXX in mobile and online banking. I do not have any accounts at BOA, so i intially disregarded the email. On XX/XX/XXXX received a text message from BOA ( number XXXX ) congratulating me on the approval of my credit request and to expect a welcome package and cards in 14 days. Contacted BOA customer service on XX/XX/XXXX to inquire about activity and found out a credit card had been opened using my information. I let them know that I did not make the request and they closed the account. I forwarded the email to the BOA fraud address ( XXXX ) on XX/XX/XXXX. Obtained copies of my three credit reports on XX/XX/XXXX, noting a hard inquiry from on the XXXX report from BOA dated XX/XX/XXXX. Set credit alerts on all credit reports for one year. Contacted BOA again on XX/XX/XXXX to verify that the account was closed and a fraud investigation was opened. Contacted XXXX  by telephone the same week requesting the BOA hard inquiry dated XX/XX/XXXX be removed because it was fraudulent. XXXX requires that I complete a FTC report before they will accept the dispute. The FTC website directed me to the CFPB website to complete the complaint.

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 2022-03-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to make my XXXX mortgage payment on XX/XX/XXXX only to discover my mortgage payment was increased without any notification. I contacted XXXX XXXX XXXX XXXX and was informed that I failed to pay my taxes for XXXX. I explained I had a receipt for the XXXX taxes that I paid in XX/XX/XXXX. I was told on teo different phone calls on XX/XX/XXXX and XX/XX/XXXX that the correction would be made. As of today they are still escrowing for taxes. I have a not escrow account as I approval from previous lender to pay my taxes and insurance. I feel Rushmore has violated my rights as a consumer as they did not contact me by phone, e-mail or mail advising or asking about the taxes. I believe i was to be given notice of the payment change at least 15 days or more before the effective change as if this date that still has not happened. I have made the payment at the higher amount because I can't afford to ruin my credit just because Rushmore will not fix the payment to principal and interest only. Rushmore has been very uncooperative and has given me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020 I filed a dispute with Equifax requesting proof of documents showing that these Items that their reporting on my credit file belong to me. I am a victim of fraud and identify theft so it id my right according to FCRA 601 That states that the Credit reporting agency must provide me with such documents. Equifax failed to provide me with anything that's contractual linking these accounts to me. But instead they lacked a investigation and failed to inform me of how they verified these accounts were mine but instead they sent me a copy of my credit report with no information but still showing the ( 2 ) disputed items. Usually a credit reporting agency would make such statement as " We've verified this account as accurate. Or it will say that they removed the account or updated it. I didn't receive anything from this agency stating either or. This agency has hung the phone up on me I've been called and ignorant XXXX man by this agency in the mist of what XXXX people are going through in this Country. I've made several complaints regarding this agency and no one seems to want to get involved including this agency CFPB now the next step is for me to file a claim against this agency for discrimination and for violating the FCRA. These are the two items that remains on my report without explanation or proof that these Items belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : {$65000.00} {$65000.00} XX/XX/2020 {$1000.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX XXXX XX/XX/2020 {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2021-02-15
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
The XXXX of XX/XX/2021 I'd did a transfer using xoom ( a service of XXXX ), the amount was XXXX euros with taxes, from XXXX to XXXX, ( with the money exchange XXXX USD ), until now the money has not arrived, my family never received the money, I'm very upset because of the delay. I ask xoom and XXXX about the problem and the only answer was " upgrade problems ''. I want my money back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been paying off a car with VW credit for 3 years. I have paid on-time or early each time. Additionally, I have paid more than the amount needed. I recently received a bill and it had a late payment plus new payment on it. I contacted XXXX extension XXXX on XX/XX/19 to discuss this problem. She agreed that the billing was wrong and would handle it. I made a XXXX dollar payment that day as I usually do every month. Subsequently, I received a late payment notice again with a threat that they will contact the credit bureau. I called again today and after 30 minutes, much of which was on hold for XXXX  extension XXXX, she indicated that I should actually be ahead not behind based on my payment history. She said she will again look into it. However, I am concerned that their accounting department has not audited my account correctly. I paid the remaining balance that is due to prevent further threats however, I believe their accounting department needs to be held accountable as I am probably not the only person this is happening to. Neither customer service representatives could provide me with a reference number for my call. I also sent an email inquiry today as I wanted some proof that I am trying to get this situation corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Financial Management Solutions, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company is Financial Management Solutions. XX/XX/XXXX this debt was dismissed in the District of XXXX Superior Court. It was past my states statute of limitations to collect a debt. I provided this information to the collection agency several times, however the agency continues to hang up the phone on me and scream at me telling me this is still a valid debt that - since my dispute - has now been listed on my report as delinquent. I have provided court documents from the original creditor 's lawyer and the Superior Court showing dismissal in XX/XX/XXXX. I recently disputed this item again with XXXX and XXXX  ( it is not listed on my XXXX ) XX/XX/XXXX. The amount continues to increase and my status is still derogatory.

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 2017-11-10
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today we learned that Goldman Sachs, investor of our mortgage turned down our mortgage modification appeal. It was actually news to us as we were never informed that Goldman Sachs was investor of our loan despite 2 requests. 

We know that the whole modification process was botched with repeated documents missing and the threat to foreclosure on us. In addition the Home Owner 's bills of right was n't follow as the appeal was botched too. We also know that the documents we sent for the appeal were n't used at all. 

1- Please provide the data used by Goldman Sachs for the decision. 
2- Please send us the list of documents you received from us for the appeal. 

Absence of these, We 'll get a lawyer to freeze the foreclosure in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX is still reporting negatively on my credit report, and the balance was paid in full. I was in constant contact with XXXX Apartments and their regional management staff. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX somehow became involved, and XXXX did not do their due diligence to investigate the facts of the issue. XXXX is reporting the account is still open, and it is not. It is an apartment that I no longer live in and a company that is no longer in existence yet ; my credit profile is reporting negatively? The account shows paid in full but categorized as a charge-off, and it was not. I need this account to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
FCI lender services is accessing my loan with continued illegal attorney fees and breaking California collections practices and foreclosure laws. I have attempted to resolved this matter when {$600.00} worth of illegal attorney fees were accessed on my mortgage and I was told it was because I was 60 days late. This was proven to be untrue and the fees had to be removed, only after I threaten legal action. But recently the lender has placed {$1500.00} in attorney fees and placed my loan in pre-foreclosure on XXXX XXXX, XXXX, I was only due for the month of XXXX 's payment. I received the attorney letter dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX, my loan was due for XX/XX/XXXX payment, this lender hired this attorney to produce a letter for my loan which was not even 30 days late at this time. On my previous complaint case # XXXX, the representative for the lender ( XXXX XXXX XXXX, XXXX stated fees should not be access unless the loan is 60 days late and the investor was advised of the inadvertent error and the XXXX fees were removed, but they have chosen to continue doing it and have now accessed {$1500.00}. FCI lender services is still practicing in a unlawful manner for this private lender.

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 2022-03-04
Company: Experian Information Solutions Inc.
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:
There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXXXXXX 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 2022-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a auto loan from Capital One bank, unfortunately they have been processing my car payments as interest. This has caused my to receive late fees for lack of payment and other unidentifiable fees. 
I receive harassing calls from capital one every week. Nothing ever sent in writing to breakdown my fees. Currently they are reporting me to the credit bureau as late when I am making payments capital one is reallocating my payments to their needs without my consent or knowledge. 
Capital one is committing fraud and is harassing me. Capital one is causing me undue hardship and I am making payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: First Technology Federal Credit Union
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've already told First Tech Federal Credit Union that I have a pandemic-related financial hardship. Why First Tech Federal Credit Union is still charging me late fee and reported the late to my credit report? 
They waived the late charge but they didn't correct that late payment to my credit report according to https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/learn-about-forbearance/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: ALLY FINANCIAL INC.
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: Account status incorrect

Complaint:
On XXXX XXXX, 2012, Ally Financial mailed a letter correcting its credit reporting errors and contacted all three major credit bureaus as well. However, five years later, Ally has again reported the inaccurate and previously corrected information to all three credit bureaus. This time, Ally wrongfully caused me to be denied a 0 % auto loan from 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 2022-03-04
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I can prove that XXXX XXXX lied about my intentions in getting out of my Chapter XXXX bankruptcy so that I could sell my rental house and catch up with what I owed them. I have a copy of an email correspondence with their attorney. 

They also adjusted my statement after my first complaint and applied the two payments from XXXX but never wrote adjusted or corrected or anything of that sort on the mortgage. ( They do this all the time, the numbers just move around ) XXXX XXXX 's narrative may sound good, but it is not true. He lies. He say 's he never talked to my attorney and I did not tell them what was going on but that is not true and I can prove it. I told them I was getting out of the Chapter XXXX so that I could sell the house and catch up with what I owed them. I had to explain that to the judge in order to have the case dismissed and then file chapter XXXX on the other bills. 
I had to go to court and explain in a court of law why I kept filing chapter XXXX so I could save the houses until I could sell the rental and catch up with the house I live in. I have been sick. I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What is his excuse? 
He doesn't mention that when I ended the Chapter XXXX I paid them nearly {$40.00}, XXXX to catch up on the mortgage, I fixed up this house and started a business from home so I could continue to pay my mortgage. He is purposely trying to make it so I do not qualify for the help available to people who were effected by the Corona Virus. But I have all the email correspondence with his attorneys, including the one where I told them I wanted to reinstate the Mortgage. XXXX XXXX claims he never spoke to my attorney, but my attorney has notes on the phone call and has NEVER lied to me or spoken harshly to me, while XXXX XXXX has been speaking harshly to me since my partner who happens to be women, was diagnosed with XXXX XXXX XXXX. Perhaps I should be retaining a civil attorney in this matter! He has made this personal and has colored the truth to make his narrative look good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from RS Clark and Associates on XX/XX/XXXX at XXXXXXXX XXXX   The lady who called verified my date of birth and read me the mini miranda disclosure that is required buy law. At the end of her talk off, she asked me if this was a refusal to pay? Now keep in mind I allowed her to finish her talk off and never even said a word about refusing to pay. I then asked her what day this file was listed with their office. She informed me XX/XX/XXXX. Per the FDCPA section 809 A and B, I have the right to validation of debt and the right to dispute my debt. Once this information is requested collections efforts must cease. I informed the young lady that I was requesting verification and validation of this debt and her response was they sent me a letter out. I also informed her I was disputing this debt since I was unaware of the debt. She then told me collection efforts will continue. This is a direct violation of of the FDCPA and I am entitled to actual and statutory damages from RS Clark and their client. This is no way to collect a debt. I work for a debt collection law firm and MUST follow the law. This is very unfair and deceptive to a consumer. I spoke with XXXX who was the collection manager and stated she would handle this, but I have my doubts. 

Account number : XXXX

Company response to consumer: Closed with explanation