BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Today I sought to access my disclosure report from the National Consumer Telecom & Utilities Exchange by accessing the number on their website. There was no option to speak to a person except perhaps for those who are visually impaired ( which I am not ). Upon successfully verifying my identity on the electronic call service, I was told my disclosure report would be emailed to me if they had my email address on file. It is unclear whether they have my email address on file, or for example they would use this information that my utility companies have about me, and there is no option to provide this information for either a hard copy or electronic copy to be sent to me. 

If a service is being provided for the public good, it needs to be accessible. There's no use in telling me you provide free reports on my account if there's no way to receive it or even talk to a human to understand what's possible and ask questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed an account on my report I do not recognize

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 2018-02-05
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This communication is regarding the response Wells Fargo made in the complaint # XXXX. Well Fargo mentioned that they did the release of lien on XX/XX/XXXX. The release of lien did not transfer any title back to me. After doing some research on this issue we found that while the mortgage loan was in Wells Fargo Trust, on XX/XX/2009, XXXX XXXX cleared the title and transferred the title of our property. 
Wells Fargo as a loan servicer, does not have a right to fraudulently transfer the title of my property. 
XXXX XXXX clears/transfers the title when they receive notification/information from the servicer. 
By causing to fraudulently transferring the title, you have completely broken the chain of my title. Your title has never been transferred back to me. 
According to Mers, you were not even the mortgage servicer of the mortgage loan on my property since XX/XX/2009.

So here are the facts I have : 1. You caused to transfer my property title on XX/XX/2009.

2. Your right to service existing mortgage loan ended on the XX/XX/2009. 
3. You violated the RESPA, by not reporting the change of loan servicing.

4. You released a mortgage lien that did not transfer the title back to me.

5. You released the mortgage lien when you even lacked the right to do so as a mortgage servicer.

So please let me know if you have anything to justify yourself free of any wrongdoing.

Thanks in advance.

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 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
company refuse to remove unjust, false, and misleading information on 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 explanation
Consumer complaint received 2023-07-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, I got two bank statements, one for a checking and one for savings account, from BMO Harris Bank. I contacted them on XX/XX/XXXX at XXXX XXXX, and I spoke with a person and informed them that the accounts had been opened in my name fraudulently and requested that they close the accounts. The bank representative took my information and said that they would send the compliant to the bank 's fraud department and that they accounts would be closed. I asked if I would receive something in writing, ensuring the closure and she said the bank doesn't do that, so I was forced to take her word for it. 
On XX/XX/XXXX, I received another bank statement form BMO Harris Bank for the fraudulent savings account opened in my name. The period on the statement was for XX/XX/XXXX to XX/XX/2023. Therefore, I called BMO Harris Bank on XX/XX/XXXX at XXXX XXXX, and spoke with a person named XXXX ; she refused to provide her last name. She claimed that the accounts were closed but failed to provide me with any other information such as the date they were closed. She also refused to provide any proof of the closure in writing, so they could be mailed to my address and I'd have proof of the closures. 
I am in the process of contacting an attorney to see if I can force BMO Harris Bank to provide written proof : XXXX acknowledging the accounts were opened fraudulently in my name XXXX proof the savings and checking accounts were close and when.

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 2023-02-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX  : {$650.00} ; XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: KS
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:
My Equifax credit report # XXXX dated XXXX XXXX, XXXX shows that both of the below referenced accounts were deleted from my credit report. 

XXXX XXXX Account # XXXX ( As it appears on my credit report XXXX XXXX XXXX Account # XXXX ( As it appears on my credit report ) Equifax removed them at that time and then reinserted them on my credit report without notifying me within 5 days of the reinsertion, per FCRA. I have since repeatedly disputed the above referenced accounts with them and they have not removed them again. I have an ongoing issue with Equifax not reporting all of my positive accounts, or removing my positive accounts on a monthly basis. They only re-report the accounts, when the companies report my positive accounts again. Now they have reinserted negative items that they previously deleted. Please see the attached proof of deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am able to get my free annual credit report from XXXX of the XXXX credit bureaus since XXXX However, I have not been able to access my free annual credit report or manage my credit freeze with Equifax. For the past year, whenever I login to my account and request anything, I was given the error message " We are temporarily unable to complete this request. Please try again later. '' I believe temporary means a few hours or a few days, but not a whole year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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:
Transunion has the worst customer service ever I called to ask about a account I never seen before because I got a alert and the dispute department was rude and lied to me telling me that fraud department had no number to call and that I could not be transferred I was then hung up on and argued by a XXXX XXXX the supposed supervisor! I was explaining that I never ever did business with XXXX a collection account and do not have no knowledge of them!! I never had XXXX XXXX at all ever in my life!!!! Like what in the world is that company anyways?! The account say XX/XX/XXXX and it needs to be DELETED ASAP because it is not mine. DELETE XXXX  of my credit report ASAP

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 2018-02-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I filed a chapter XXXX Bankruptcy on XX/XX/2011. When I went to check my credit report recently there was something from XXXX XXXX XXXX   which was included in my bankruptcy and should not be on there anymore. I don't know why its still showing.

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 2017-12-11
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 status incorrect

Complaint:
XXXX XXXX XXXX reports account opened in XXXX XXXX. Info is incorrect, account was opened in XXXX and included in bankruptcy. Original creditor sold account to XXXX XXXX XXXX. This is affecting my score. Please have them remove this incorrect info from all three bureaus.

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 2019-10-27
Company: Nelnet, Inc.
State: AR
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 refuses to remove a federal Stafford loan that was approved for XXXX Discharge on XX/XX/XXXX and met the 3-year post-discharge monitoring period on XX/XX/XXXX. Nelnet, the loan servicer for the U.S. Department of Education stated by letter that the loan would be reported to credit reporting agencies as discharged. XXXX   continues to report the loan as an unresolved dispute, not specified. Furthermore, since the loan was connected to a proven fraudulent student loan history that is massive known fraudulent signatories and a wrong university I never attended, I requested that the loan be removed from all credit reports and not re-posted. Additionally, XXXX   re-posted a phone number that was disconnected more than 3 years ago after removing it and informing me by letter that no phone numbers would be put on my credit report. I asked all credit reporting agencies to not post any phone numbers to my credit reports since I change the number frequently, sometimes 4 times in a month. All credit reporting agencies have compiled with the request to remove outdated, inaccurate information, and also, removed the student loan that is no longer subject to monitoring and thus no longer subject to being reported - every credit reporting agency except for XXXX. The other credit reporting agencies, including XXXX, are reporting correct up-to-date information, no phone numbers, and removed the loan that is connected to massive fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My service provider XXXX sold my mortgage loan to Nationstar in XXXX of 2014. I have been having issues with the way they allocate my monthly payments to my account. The applied portions of the payment to principle and interest is not being done as it was with the former provider. I have also gotten statements that show no amount due for the months of XXXX, XXXX, XXXX, XXXX and XXXX. XXXX was the only month there was an amount due shown. When I called the customer service about it, I was told they would check it out and have it corrected. I sent an e mail to their research department and got a response saying I did not make a payment in XXXX and the account was overdue. How can an account be overdue if the statement shows no amount due. I have spent several hours on the phone with their customer service and loan specialist with no satisfactory resolve to the issue. I need to know what to do to get them to correct the way they are handling my account. Please advise me on this matter and let me know what kind of documents are needed to pursue action and resole the issue. This was originally a home equity line of credit account which the provider is no longer honoring the line of credit portion. I did not authorize any changes to the original loan terms, but the new provider is not following the same procedures as the original provider when it comes to billing and accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX has collected and shared my personal information. XXXX XXXX XXXX has also unlawfully used identifing numbers such as the SSN whitch is unlawful use of a. Credit card. They do not have my consent to use or disclose any information about the XXXX XXXX XXXX. I have common law copyright and any variation of my name as well as a XXXX XXXX finance statement, hold harmless, indemnity agreement and payment Bond of file in their respective agencies. I am the Authorized Agent for the Corporate Fiction known as XXXX XXXX and withdrawal any and all contracts expressed or implied, presumed and or assumed.

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 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
TransUnion refuses to remove a federal Stafford loan that was approved for XXXX Discharge on XX/XX/XXXX and met the 3-year post-discharge monitoring period on XX/XX/XXXX. XXXX, the loan servicer for the U.S. Department of Education stated by letter that the loan would be reported to credit reporting agencies as discharged. TransUnion continues to report the loan as an unresolved dispute, not specified. Furthermore, since the loan was connected to a proven fraudulent student loan history that is massive known fraudulent signatories and a wrong university I never attended, I requested that the loan be removed from all credit reports and not re-posted. Additionally, TransUnion re-posted a phone number that was disconnected more than 3 years ago after removing it and informing me by letter that no phone numbers would be put on my credit report. I asked all credit reporting agencies to not post any phone numbers to my credit reports since I change the number frequently, sometimes 4 times in a month. All credit reporting agencies have compiled with the request to remove outdated, inaccurate information, and also, removed the student loan that is no longer subject to monitoring and thus no longer subject to being reported - every credit reporting agency except for TransUnion. The other credit reporting agencies, including XXXX, are reporting correct up-to-date information, no phone numbers, and removed the loan that is connected to massive fraud.

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 2021-05-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  Equifax and XXXX  are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/XXXX, XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HelloExperian : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior XXXX security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. No other CRA seems to be the least bit concerned about bad information populating consumers accounts. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!

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