BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX I received an alert on my credit report from Transunion showing an " unauthorized inquiry '' from XXXX XXXX XXXX. There was also 2 from XXXX XXXX I immediately contacted both Companies and was able to speak to the right people who advised me on how to get them removed. I also contacted Transunion, XXXX and XXXX   but Transunion was the only report it was showing on they advised me on what to do. I did what XXXX advised and emailed their documents which included a notarized 5 page affadavit, a copy of my government issued ID and a copy of my address. They verified receipt and sent me a letter ( attached ) confirming they will delete their inquiries. Both showed as HARD INQUIRIES so I expect them both to be removed. XX/XX/XXXX I certified mailed a letter ( attached ) to Transunion which included a 5 page  notarized affadavit and a letter to Transunion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX the XXXX XXXX office verified and confirmed receipt on XX/XX/XXXX. I expect they'll remove the inquiries also but the problem is with XXXX XXXX XXXX I never applied for their services. I CERTIFIED MAILED A NOTARIZED AFFADAVIT TO THEM XX/XX/XXXX ALSO BUT ITS LOST AND POST OFFICE IS INVESTIGATING IT BUT AFTER THINKING IT SHOULDNT BE ON " MY '' REPORT ANYWAY BC ITS UNAUTHORIZED AND XXXX   XXXX  XXXX CONFIRMED THE SOCIAL DOESNT MATCH MINE SO PLEASE TELL ME WHY ON EARTH IS IT ON " MY '' CREDIT REPORT????? THE LAST FOUR DOESN'T MATCH THEY ALREADY TOLD ME OVER THE PHONE YET IT IS ON MY REPORT. THE SOCIAL DIDNT MATCH WITH XXXX EITHER BUT THEY'RE GOING TO DELETE THEIRS. PLEASE PULL THE RECORDS YOULL SEE MY LAST FOUR IS NOT XXXX WHICH IS WHAT XXXX  XXXX XXXX HAS IN THEIR SYSTEM. ONCE I CONFIRMED THE LAST FOUR DIDNT MATCH THEY STILL PROCEEDED TO TALK TO ME VIOLATION RIGHT THERE. THE CALL SHOULD HAVE ENDED. I RECORD CALLS TOO AFTER THEYRE NOTIFIED. THEYRE BEING NEGLIGENT REMOVE ALL 3 INQUIRIES 2 XXXX AND 1 XXXX XXXX XXXX MADE ON XX/XX/XXXX. THEY'RE UNAUTHORIZED. I ALREADY PUT IT IN WRITING THE LAST FOUR DONT EVEN MATCH MINE SO REMOVE THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: BlueChip Financial
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX   XXXX. they gave me an " attorneys number for XXXX XXXX  XXXX XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call. 

The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.

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 2018-03-15
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AFNI is attempting to collect debt from XXXX XXXX XXXX in which I never received notice and do not owe this debt. There is no account in for this debt besides incorrect address and it is supposedly from 2013 for the amount of {$720.00}. I called the collection agency and they will place in dispute. I am trying to purchase home and it seems like I am actively being targeted for old nonexistent bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: JSZ Financial Co., Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon attempting to lease an apartment in Houston after completing and graduating college in XXXX XXXX, I was informed of a collections on my credit reporting history. I took the steps in order to dispute this credit, but XXXX and XXXX   referred me to hiring a company to handle the issue. I reached a letter dated XX/XX/2019 from JSZ Financial acknowledging my dispute efforts. Attached in the letter was what appears to be a printout of what they determine the amount owed might be with no details, no original contract, and no verification of this debt being mine or unpaid. On XX/XX/XXXX, I reached out to JSZ Financial via certified mail asking for why they believe this debt is mine, the amount and age of the debt ( with supporting documentation ), and details about their authority to collect this debt. I inquired for these documents for debt verification, but only received the same incomplete, what appears to be a printout of amount owed dated XX/XX/2019. I am unable to receive a true verification of this debt as they only send me this printout despite verification and documentation requested. If there is no verification and documentation, then I have no obligation to this debt and it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Ive tried to report this as identity theft and fraud.. this account is not mine nor did I sign anything for this account please review and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: TN
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:
Ive tried to report this as identity theft and fraud.. this account is not mine nor did I sign anything for this account please review and delete

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 2019-10-07
Company: Ability Recovery Services, LLC
State: WI
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:
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX the following violations have been discovered and commited in fact by, Ability Recovery Services LLC. These violations include to the following : Title 15 U.S.Code Subchapter 5 : Debt Collection Practices in its entirety, Title 15 U.S. Code 1692A through Title 15 U.S.Code 1692 ( P ) ( C ) 3 and Title 15 U.S.Code Subsection 1681b, Permissible purposes of consumer reports in its complete entirety.

As these violations are in fact proven as per physical mailed evidence, I the Consumer, am entitled to damages as stipulated by Title 15 U.S. Codes 1692 K. 
on XX/XX/2019 via Notary Presentment, I have sent correspondence to the alleged debt collector and have not received a response. In the event Ability Recovery Services LLC has documents or verifies that these violations are inaccurate, I as a Consumer, demand that they verify via Sworn Notarized Affidavits so I can know the person who has handled my dispute and to state That the alleged inquiry is in fact Compliant and is not Subterfuge.

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 2020-07-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Seturus Inc. continues to report negative information to the credit reporting agencies despite the court issued documents that show the debt was paid during the 5 year plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have been disputing 2 Capital One Credit Card accounts reporting on my Credit bureau reports since XXXX 2017. I have disputed directly with the 3 bureaus as will as with the creditor that these two accounts are not mine and to provide contractual proof, validation and procedural requests that these accounts are mine and to remove them as they are hurting my credit score and file. I keep getting letters stating " Information updated '' or " Verified by the bureaus and the Creditor keeps sending letters asking me to send in additional information, sent me a copy of a bill and or says they see no evidence of fraud on the account. I am getting the run around here and I'm tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Diversified Consultants, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I sent Diversified a cease and desist letter and to date, they are still reporting collection activity to all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, 2017 I applied for a mortgage with Guild Mortgage. I needed this approval in order to write a contract on a home I wanted to purchase. I did a complete application online allowing the mortgage company to run my credit. I also provided the loan officer all of my financials, tax returns, paystubs, XXXX, and bank statements. The loan officer was also provided a copy of the purchase contract from the builder, as I ended up writing an offer. I was never provided a copy of my loan estimate or disclosures, so they are in clear violation of TRID.The loan officer told me I was pre-approved and qualified to purchase the home. I gave the builder close to {$10000.00} earnest money and attempted to satisfy my approval conditions over the last 3 months which included paying off debt and liquidating funds from my 401k for the down payment. The home is new construction and is supposed to be complete in XXXX. On XXXX XXXX, I called the loan officer knowing I would need to update my financials, and found out he decided not to process my loan and had shredded my information. I was never informed of this and never requested them to cancel the loan. Now they are telling me since they did n't process the loan in XXXX upon my initial application ( which is also a violation ), I 'm not really approved and can not approve me at this time. I am going to lose my earnest money, penalties I incurred on the withdrawal of my 401k funds, and I have paid off liabilities that did not need to be paid off, which put my in a hard spot.I have tried to call the managers there, and they said there is nothing they can do. Unfortunately, the only paperwork I have is a prequal letter since they never provided my any further paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
this debit is not mind im a victim of idenity theft never had XXXX and they told me they removed the account now they reported to collection and they threathned to arrest me if i dont pay this fraud account

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 2021-09-19
Company: Experian Information Solutions Inc.
State: AZ
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 purchased a vehicle and got a loan for that vehicle, all of the credit inquiries for the loan are there and complete However there is a credit inquiry from a different company now on my credit report that i did not attempt to get credit from, i did not attempt to get a loan anywhere else.

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 2019-10-07
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: Account information incorrect

Complaint:
EQUIFAX following multiple disputes and several CFPB COMPLAINTS continues to verify an installment loan, XXXX XXXX .XXXX XXXXxxxx today after another bad verification continues to depict and publish to 3rd parties inaccurate and incomplete information in violation of black print in the FAIR CREDIT REPORTING ACT.THE MONTHLY PAYMENT CAN NOT HISTORICALLY BE XXXX DOLLARS AS EQUIFAX DEPICTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea what this is?? 


I have asked this company and the credit bureau for VALIDATION OF THIS DEBT, yet non has been provided. 

1 I have never had an account with a company named : XXXX XXXX XXXX 2. They are reporting on XXXX date last active is XX/XX/XXXX and on XXXX  XX/XX/XXXX. 3 years difference!!!! 

3. If XX/XX/XXXX is date last active, why is there no payment History?? 


This is not my account please Remove Immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX was removed from XXXX  and XXXX  but still remain on XXXX 
XXXX - the information is incorrect and inaccurate. 

XXXX was removed from XXXX  and XXXX  but still remain on XXXX 
XXXX  XXXX - the information is incorrect and inaccurate. 
Bridgecrest - have not done business with this company.

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 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is showing on my 3 credit reports agencies XXXX, TransUnion and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX to please provide proof of me giving then my signature for this Unsecured Loan. My request is for Transunion to delete this account one and for all from my credit report. XXXX # XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2021 Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : {$40000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$750.00}

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 2017-11-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with HSBC to try to save my home.These attempts have been unsuccessful. About two months ago I requested the paperwork for deed in lieu of foreclosure. HSBC has not sent me the forms. I would like to turn the house back over. Can you please help facilitate that these forms are sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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:
I'm a victim of identity theft and someone actually opened up a credit card account in my name and I had no acknowledgement of it so I would like to get deleted off my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX and XXXX a hold was placed on two deposited checks ... ..the bank then closed my account ... After much follow through I submitted the letters and all that was needed to release these funds .... Bank of America claims that on XX/XX/2018 a Certified Check for the {$3100.00} was sent to my FORMER address at XXXX XXXX XXXX XXXX XXXX in XXXX, TX. The check was never received. I moved to the new address on XX/XX/XXXX and had left a forwarding address with the USPS. I called the bank on XX/XX/XXXX and let them know I had not received the check and my new address. As of today XX/XX/XXXX I still have not received my check or money and I have been told by Bank of America that I will have to wait another 90 days before they can issue a new check. The business that I needed to pay with this money is still waiting for their funds and is about to start legal procedings with me to get this money back that I am still waiting for ... .. I need this money and check issued to me immediately.

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