BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I had my credit reports pulled after being contacted by a debt collector that I have never done business with. My identity was stolen because there is multiple accounts, names, addresses and other personal info that doesn't belong to on my reports. I did not authorize anyone to open these accounts nor did I receive services or goods for any of them. I filed an identity theft report and police report. I disputed it with all 3 major credit bureaus and they have done nothing. I should not be held liable for someone opening accounts in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CarMax, Inc.
State: TN
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:
ON XXXX/XXXX/2022, Sent a letter to Carmax, XXXX, and XXXX informing them the information they are report to my consumer report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: NC
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 have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: JPMORGAN CHASE & CO.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paid ahead and never late on my payments on my mortgage, yet every month I receive a letter stating I am 2 months behind and a penalty is applied. 

My mortgage payment started XX/XX/XXXX and below is a list of all the payments made since then. 


I have made total payments on my mortgage since XX/XX/XXXX of {$9700.00} in 6 months. My monthly mortgage payment is {$1200.00}. 

Total payments : XXXX was paid in full on XX/XX/XXXX with a {$1300.00} payment Payment of {$630.00} was paid from my XXXX XXXX XXXX  account plus {$650.00} on XX/XX/XXXX and {$650.00} on XX/XX/XXXX from XXXX XXXX  to pay the XXXX XXXX. Then on XX/XX/XXXX another {$1300.00} was paid all for the XX/XX/XXXX bill to make sure when I signed up for semi-monthly payments there would be no issues. 
In XXXX, XXXX payments on XX/XX/XXXX and XX/XX/XXXX of {$650.00} each were paid towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XX/XX/XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made XXXX and XX/XX/XXXX towards the XXXX bill. 
A payment of {$650.00} is scheduled to be made on which will apply towards the XXXX bill. 

Every month a new letter or statement comes in that states I am 2 months behind and a penalty of {$41.00} is applied. 
I have called JP Morgan several times and have been told that this would be straightened out. By applying late penalties to my mortgage they are destroying my good credit because this gets reported to the 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 received an email from XXXX XXXX  that said I applied for a XXXX XXXX credit card account. I immediately check my credit score and see that they did run a hard inquiry on my credit score ( I NEED THIS REMOVED ). When I called them they could not locate the account. This led to me needing to dispute that inquiry and thus I ended up here.

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 2023-02-07
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LexisNexis keeps putting someone else who has a completely different name from me, different address and driver 's license number on my report. And it has caused so much trouble for me for my auto insurance. Their dispute process takes 30 days to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX Last reported : XX/XX/2019 {$36000.00} THIS ACCOUNT HAS BEEN PAID IN FULL /XXXX BALANCE.

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 2022-12-29
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Servicer doubled my City taxes, as per letter received XX/XX/XXXX. XXXX, Tax Department have no record of such increase. submit all corrected documents via mail, several phone calls, issue has not been resolved. 3 months and continue. 

Paid insurance in full. They continue to withdraw monthly premium.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TRIED TO HAVE CONSUMER FRAUD ALERT REMOVED. THEY WON'T DO IT, EVEN THOUGH I HAVE MY PIN AND INFORMATION FOR ALL 3.

THIS IS LIFE THREATENING, I NEED XXXX TO SAVE MY LIFE AND THESE XXXX   REFUSE TO REMOVE THE FRAUD ALERT SO I CAN GET MY LIFE SAVED!

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 2019-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 3 to 9 of the attached credit report. ) These multiple accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have a XXXX XXXX bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX  but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
To whom It may concern. My problem seems to be with Equifax providing wrong Information to XXXX and XXXX XXXX about my account. I applied for these cards on XX/XX/2019. I was told by credit karma my score was good to sign up. However Equifax as wrong information. I had this credit cards years back XXXX XXXX. XXXX XXXX XXXX loans took it over at some point. In Late XX/XX/XXXX this was all paid off. They agreed to remove any late fee 's and any negative reports on my credit and that my credit would be fixed with all credit companies. XXXX has no problems. Just seems to be Equifax. I do not want to have tons of Hard Inquiry 's due to applying for same card twice due to this misunderstanding. If someone can call me as soon as possible to resolve this matter. I feel this Is totally unacceptable and Equifax should stick to there word and remove this from my report since I paid as agreed upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We are signed up for automatic recurring payments with Ocwen to have monthly payments drafted from our checking account on the XXXX of each month. For some reason, Ocwen has not drafted the XX/XX/XXXX payment as of XX/XX/XXXX. We had requested for Ocwen to stop drafting funds from our checking account if a valid transfer of assignment could not be provided. Ocwen has not been able to provide a transfer of assignment that was processed before closing date of the trust of XX/XX/XXXX. Only transfer of assignment that Ocwen has provided was 5 years after the closing date of the trust. We have not requested to be removed from the ACH program. I am concerned because of the issues I have raised against Ocwen and XXXX XXXX XXXX XXXX as trustee for Option One Mortgage XXXX XXXX XXXX, that Ocwen is trying to cause our account to be late ( and in default of the loan modification agreement ) by not applying the automatic payment on XX/XX/XXXX. I did not cancel this payment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank closed my account and they took away rom us {$2800.00} and just giving us no reason

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 2017-12-18
Company: Perfection Collection
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Perfection Collection for the amount of {$2100.00}, I have sent Perfection Collection a Debt Validation and they have not responded. I have no knowledge of this alleged debt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have unauthorized inquiries that are not by my doing and I have accounts marked late which is not correct and accounts that don't belong to me and some other issues detailed in a letter attached

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 2019-03-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX, I received an advertising email from Citi Bank offering me a new Credit Card in their XXXX XXXX AAdvantage program ( see attached Citi_Invitation_Email.PDF ). The biggest bonus is to earn XXXX XXXX XXXX Frequent Flyer mile if I spend {$3000.00} in the first three months of account opening. 

On XX/XX/XXXX I follow the instruction of the email and applied. The application was approved the same day ( see attached Citi_Approval_Email.PDF ). 

Three months went by, I spend more than {$3000.00} with the card and I have not received the XXXX bonus miles. I connected their customer support and filed a dispute. On XX/XX/XXXX they inform me the reason why I have not received the XXXX miles bonus is because Terms and condition state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within last 24 months. ( see attached Citi_Account_Mail.jpg ). 

It is true that I had a similar card ( already cancelled prior to XXXX but within the last 24 months ). 

My dispute is as follow : 1. Why would Citi Bank send me an invitation to a program that I am not qualify? 
2. Why would Citi Bank approve my application if I am not qualified for the program? I post this question to Citi Bank ; their answer was that my credit qualifies for the card but not the bonus. 
3. Why would Citi Bank not inform me of this problem upon approval?

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 2019-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX  XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX. XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX XXXX Inquiry :XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. 
XXXX Inquiry : XX/XX/XXXX. 
XXXX Inquiry : XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX XXXX XXXX XXXX XXXX WI, XXXX Trustee in care of XXXX XXXX XXXX MR. XXXX XXXX, CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RESPONDENT This is a legal notice. Please read it carefully as it means what it says. If you fail to comply with this notice, then you will be deemed to be in agreement to my fee schedule outlined below. Do not ignore it. 

Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL XX/XX/2019 RE : NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, ACCOUNT # XXXX and # XXXX Dear Mr. XXXX, CEO : On XX/XX/2019, you were sent notice of Conditional acceptance for value for proof of claim upon corporation 's contract, for determination of 'meeting of the mind ', 'Fraud on the Contract ', and/or 'unconscionable contract ', and/or agreement for commercial discharge, Account # XXXX and # XXXX. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You failed to perform after receiving these presentments from XXXX : XXXX, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said Notice mentioned above from the undersigned. 

The time limit has elapsed, constituting acceptance by Respondent / LIBELLEE thereof instead of providing a timely response / rebuttal to the allegations of the Secured Party. An unrebutted Affidavit stands as the judgment in commerce. 
As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise.

Thank you for your prompt attention to this matter.

Sincerely, Without Prejudice Authorized Representative XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is that Bank of America has decided to stop lending to firearms companies that make XXXX firearms. I have a large account with XXXX XXXX and plan on moving all of my money if Bank of America do not rescind their policy.

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 2019-03-03
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX XXXX XXXX XXXX XXXX, WI, XXXX Trustee in care of XXXX XXXX XXXX MR. XXXX XXXX, CEO RESURGENT CAPITAL SERVICES LP XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RESPONDENT This is a legal notice. Please read it carefully as it means what it says. If you fail to comply with this notice, then you will be deemed to be in agreement to my fee schedule outlined below. Do not ignore it. 

Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL XX/XX/2019 RE : NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, ACCOUNT # XXXX and # XXXX Dear Mr. XXXX, CEO : On XX/XX/2019, you were sent notice of Conditional acceptance for value for proof of claim upon corporation 's contract, for determination of 'meeting of the mind ', 'Fraud on the Contract ', and/or 'unconscionable contract ', and/or agreement for commercial discharge, Account # XXXX and # XXXX. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You failed to perform after receiving these presentments from XXXX : XXXX, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said Notice mentioned above from the undersigned. 

The time limit has elapsed, constituting acceptance by Respondent / XXXX thereof instead of providing a timely response / rebuttal to the allegations of the Secured Party. An unrebutted Affidavit stands as the judgment in commerce. 
As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise. 

Thank you for your prompt attention to this matter. 

Sincerely, Without Prejudice Authorized Representative XXXX : XXXX

Company response to consumer: Closed with explanation