BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
these XXXX XXXX  have been harassing me for 30 years, never wanting to give me my credit report, reporting fake medical bills, when I have had medical insurance for over 15 years, they have taken it off to sell it to a new collector they had put a fraud alert on my account and I never asked them to so for years I could not get credit, I could not buy a house, could not get a car these low lifes ruined my life, now after having to fight and go to court to get the fraud alert off, all the credit reporting agencies have my credit right and the other scores are XXXX XXXX, but here we go again with transunion they are keeping my score down XXXX and putting fake medical bills again on my credit and all of these fake inquiries, I mean why would a car company pull my credit 3 times in a row, and I have never even heard of these other companies except XXXX  XXXX, but I never asked for them to give me a car loan, this company also refuses, everything I try to get my yearly report online they will never allow me to and it is my report And I have a right to see it and dispute transactions, I want them to stop reporting false information on my report, and give me the name and address to send the lawsuit papers because I have had enough, enough is enough I am XXXX years old and I am sick send tired of putting up with there is and bad practices.

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 2019-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile. 

Please see the following.

( 1 ) - XXXX XXXX XXXX XXXX states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account.

( 2 ) - Capital One : {$560.00} Anything you can do will be greatly appreciated. 

Mr. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Personal information incorrect

Complaint:
I have disputed and requested 5-TIMES that my address be corrected. It is still incorrect!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Ascension Point Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been listed as the Executor of my parent 's estate ( XXXX and XXXX XXXX XXXX ) in XX/XX/XXXX. Ascension Point Recovery did send me a notification of 2 accounts that has been placed with them thru the mail. A female representative called me in the early part of XX/XX/XXXX. I explained to them my parents probate has been closed. The representative did mention she sent a claim to probate. The female representative starting asking me if my parents had any assets ( house, bank account, car ) etc. She also asked my why did they open a probate case. I felt the question was very inappropriate and illegal. I would like this company to be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
I have tried over and over to get my credit report from Equifax. I've had no problem obtaining my report from XXXX nor XXXX. The questions " to protect my security '' are ridiculous. I don't even know the answer half the time. I understand these criminal organizations don't want to share MY OWN INFORMATION with me, and I understand the Federal Government aids and abets these criminal organizations, but for something that controls MY LIFE, I should have much more accessibility. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Thursday XX/XX/XXXX I scheduled a payment on the XXXX XXXX, I received a notification that the payment was in process and received my email with confirmation that the payment was scheduled. It was not until XX/XX/XXXX that I went back to check on the app because the funds had not been deducted from my account that I realized there was no payments scheduled, I rescheduled my payment that day and received a confirmation email again but this time my confirmation email did n't come to me until XX/XX/XXXX. ( I have attached both emails received from XX/XX/XXXX and XX/XX/XXXX). The next day XX/XX/XXXX I received a notification from XXXX that my credit score had decreased XXXX points because they reported my payment 30 days late. I called to XXXX customer service number ( XXXX ) and spoke to 2 supervisors, the one that assisted me his name was XXXX he did not disclose his last name so I am not sure what that is. He researched and said that it was possibly a ghost payment? and that they could n't do anything about it. I have included screen shots from when I scheduled that payment and the confirmation emails I received. 
My payment is due on the XXXX of each month so this payment had been due XX/XX/XXXX the 30 days had not been met yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Purchased home : XX/XX/XXXX - I am a 100 %  XXXX veteran. I separated from the military XX/XX/XXXX. I requested a refinance, special forbearance and any other program that would save my home with Bank of America during that time. I had a VA home loan and at no time did Bank of America ever try to work with my VA rep to find a solution to my refi request. Bank of America fraudulently delayed my application to modify the terms of my mortgage in order to steal my home and sell it at a profit. I had at least 20 delays, over 5 new reps responsible for my case ( each time it took weeks to get in contact with them and weeks for them to review my case before they would work with me ). The reps would request fax, emails, and mail of the same documents that had been confirmed received by Bank of America over 20 times. 

- Bank of America never properly hired, trained or equipped their workforce to genuinely address homeowners like me. They deliberately obfuscated, misled and otherwise deceived me in this process only to at the end deny my request. The only reason I was able to save my home was because I went out on my own and applied for the California keep your home program. I was awarded the money through that program. Bank of America received a check for the entire 15+ plus months I was behind in my payments, bringing me current. I had no history of any delinquency in my mortgage loan or other debt when I first reported to Bank of America I needed to refi and apply for any program that would save my home. 

- It was stated to Bank of America I was a XXXX veteran ( 100 % ) and I was awaiting my XXXX compensation from the Department of Veteran Affairs many times over. Having these 15+ plus late payments on my three credit reports have prevented me from applying for much needed loans. This has impacted my quality of life and my health. I have had a few law firms contact me as it relates to a class action lawsuit because of this refi issue I had with Bank of America. I do not want to take that road. I just want my three credit reports corrected so I am able to move on with my life. 

- I am 100 %  XXXX veteran and the Department of Veteran Affairs as well as myself trusted Bank of America to not only service my loan but to do what was fair to me as a veteran. That did not happen. The below desired resolution will right Bank of Americas wrong.

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 2018-01-26
Company: Ditech Financial LLC
State: VA
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:
This company Ditech, LLC is reporting incorrect information. I have never had a account with this company. They reported to credit bureaus that there was a cancellation of debt for {$4900.00}. This is incorrect. 

I did have a loan with Greentree, LLC. So I do not know if this information was sold to Ditech, LLC. We do a short sale that closed in XXXX 2015. Greentree was paid and I paid them as agreed. I was never late. Ditech, LLC is reporting that were missed a payment in XXXX 2015 which the same month Greentree received a check for {$4900.00}. Which closed out the account. 

I need to speak with someone at this company who can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There were a number of issues with this credit card and the charges, but the current problem is this charge off by capital one card # XXXX was in XX/XX/2011 and the charge off still appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX Pro Se litigant have asked to see the Original Promissory Note ( front & back ) since the very beginning of this housing dispute XX/XX/XXXX, after being denied a partial payment XX/XX/XXXX in person at the branch, and have been denied repeatedly, i have had no fairness in any of this, I've been steamrolled, and no one will hear me out. 
The staff involved has ignored every motion and anything else that I've placed into the docket, I've even reached out to the CFO of XXXX XXXX XXXX XXXX XXXX XXXX sending them a Money Order registered mail XX/XX/XXXX in the amount of {>= $1,000,000} ( to resolve things and have this foreclosure dismissed ) presenting it under ( Administrative Process ) through a Notary Presentment ... I've received no response back nor the Money Order was returned, according to UCC rules 4-104, A, B, they had 24 hours to refuse or except and neither was done. 
Everything I've put into this ght has been Underminded and disregarded by those above, I'm ghting to stay in my home, with no where else to reside with my family. but every time i look into the docket they've proceeded with something new, I've even led an appeal just XX/XX/XXXX and prior to the appeal, the the attorney XXXX XXXX has proceeded in certicate of title, order of sale to sheriff, and just yesterday XX/XX/XXXX it states that an appraisal has been done on my home as of XX/XX/XXXX and i had no recollection of this?? i don't understand how was this done without approaching me? 
They are moving very fast to steal my home, knowing very well they having no Standing .... during this nightmare I've repeatedly taken my Acknowledgement, Acceptance, And Re-Conveyance Of Deed, My Act Of Expatriation, Domicile, Declaration, And Allegiance, Certicate Of Acknowledgment downtown to the scal ofce to be rejected.. and have had all 3 documents recorded outside of Ohio, because the Fiscal XXXX County building states they are not to be accepted, so after i had these same documents recorded in ( XXXX County Georgia ) , it is said that any recorded instrument is to be recorded in its county ofce seeing its already been recorded. 
Yet I've been refused once again at the fiscal XXXX county building here in XXXX   ohio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
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:
My account is resolved with XXXX XXXX and is no longer in collections. It is still reflecting in collection status on report. The account is no longer a active collection account and needs to reflect correctly

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 2020-02-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We have a safety deposit box with Wells Fargo Bank N.A., branch location, XXXX XXXX XXXX, XXXX XXXX. XXXX. A letter dated XX/XX/XXXX was received stating that this branch will be closing XX/XX/XXXX, and all boxes need to be closed by XX/XX/XXXX or the box will be drilled & contents secured at a central repository. We reside in XXXX  for 6 1/2 mos. out of the year and will not be returning to XXXX  until the end of XXXX, XXXX. 
We are able to access our deposit box by the end of XXXX. We are not comfortable with anyone opening the box & the removing the contents as there are personal & private items contained there & thats the reason why we chose a safety deposit box to begin. I called the branch involved and was told this is our only option. 
Thank you for your help and consideration in this matter.

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 2018-01-26
Company: United Credit and Collections Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
During time we had a tenant in our property she over flowed an upstairs toilet and it leaked all the way down to the first floor into the kitchen. our insurance contacted a contractor to do the repairs, when we regained the property after having to evict our tenant due to a diff circumstance we received an additional bill from the contractors and I emailed them a response as there was still holes in the wall above our cabinets, you could plainly see where they cut out squares in the ceiling and the texture spray was coating every fixture and something that was caustic was leaked on the island which left a large spot where the gloss and some color was removed. I emailed the company about this and they never replied and no they have a debt collector calling myself, my daughter, my husband, and all of our friends on XXXX they can see who has their phone number listed. I got a message from a friend last night at XXXX XXXX stating XXXX XXXX from United Credit and Collections XXXX XXXX XXXX XXXX XXXX MO XXXX called her. This person has our phone numbers and our home address as he has sent us notification via the mail, so he is only calling everyone we know in an attempt to shame or embarrass u and is breaching our privacy, and the privacy of friends we have on 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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 recently conducted a review of my Transunion Credit Report and observed five " Hard Hit Inquiry '' that I don't recall authorizing. ( 1 ) XXXX XXXX dated XX/XX/XXXX, ( 2 ) XXXX XX/XX/XXXX, ( 3 ) XXXX XX/XX/XXXX, ( 4 ) XXXX XX/XX/XXXX, & XXXX XXXX XXXX XX/XX/XXXX. I contacted the companies mentioned and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Fair Credit Reporting Act ( FCRA ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] a. In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

2. In accordance with the written instructions of the consumer to whom it relates.

3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or B. intends to use the information for employment purposes ; or C. intends to use the information in connection with the underwriting of insurance involving the consumer ; or D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ; or ii. to review an account to determine whether the consumer continues to meet the terms of the account.

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 2018-01-26
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX reference # XXXX This company is trying to collect a debt from me in reference to a XXXX XXXX bill of {$190.00}. I have never used or setup a service contract with XXXX XXXX. I have come across this issue because of checking my credit report and see this listed under collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this is an old expired dept.,

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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2019. Please investigate to ensure there is no fraudulent activity.

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 2019-05-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Toyota Motor Credit in XX/XX/XXXX explaining that I had my information on auto pay and as result that I did not want to lose out on payment date and receive late days. 
I wanted them to be aware to work with me, as I had gone through some financial issues outside of my control and was trying to build back up so I may continue using service freely and as mentioned I am back on track with my payments. Except for late payments reported for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I expected this to occur as my information was purged and everything was set up on auto pay this is the account number XXXX

Company response to consumer: Closed with explanation