BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
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: Account status incorrect

Complaint:
The following accounts has a violation of SCRA and FCRA rights. The issue is I have attempted numerous times to fix the issue with the company, but they have not been willing to help and fix the issues. These incluse several violations of my rights as a consumer outlines in FCRA & SCRA. I have attached the following documentation verifying such. No verification has been done on Experian 's part. The following accounts are as follows : Account info Account name XXXX  XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX Account number XXXX Account info Account name XXXX Account number XXXX Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number 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 2018-06-29
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2005, XXXX XXXX XXXX, XXXX attempted to foreclose on us, using a forged promissory note. The case was dismissed. Thereafter, 21st claims that through a series of transactions, they acquired the note and mortgage. With actual knowledge of the fact that the documents were forged, they have now refiled a new foreclosure action using the same forged documents. That they filed the forged documents in the official records of XXXX XXXX County, a FELONY. When we learned they were attempting to use the forged documents, we notified them to cease and desist ; and during the 30 day debt dispute period, disputed that the money was owed on the forged documents, and further, provided them with the police 's experts report clearly showing that the documents were forged. They continue to maintain the foreclosure action based on the forged documents after the first case was dismissed AND they refused to respond to the qualified written request, stating that it was too burdensome and therefore refused to answer any of the reasonable questions asked therein, including proof that they paid value for the forged documents, or whether they were aware that the documents were forged, and I provided them a copy of the forgery affidavit along with the QWR they refused to fully respond to. They are in violation of the CFPB 's prohibition against DUAL TRACKING AS WE ARE UNDER LOSS MITIGATION ATTEMPTS WITH THEM IN A REASONABLE EFFORT TO REDUCE THE STRESS ON MY SPOUSE, and while in loan modification negotiations, they served my wife with foreclosure papers, using the forged documents, at her work. They need to be severely punished, and the individuals who suborned perjury need to be arrested and put in jail for committing a felony. Ask them if they knew the documents were forged, If they say no, then show them the attached report from the prior case and affidavit from the forensic expert who is regularly hired by the local constabulary and already a matter of public record and a matter of record in a case that they themselves dismissed. They were aware of the forgery, had actual knowledge of the same, and used the forged documents in a new case. They need to go to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: OH
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

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 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This letter is a follow up to my original complaint dated XX/XX/2020 regarding inaccurate information on my credit report. Specifically as it relates to credit inquires that I did not authorize, made by the following companies : 1. XXXX XXXX XX/XX/2020 2. XXXX XXXX  XX/XX/2020 I did not authorize anyone employed by these companies to make and inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 ( c ) and serious breach of my privacy rights. 

On XX/XX/2020 I was informed that Transunion was going to respond within 60 days from the date your company sent over that complaint. 

Its has been more than 60 Days and I still have not received any documents or contact from transunion regarding there investigation results. 

The incorrect information is still reporting on my credit report and needs to be removed.

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 2020-01-21
Company: Lyons, Doughty & Veldhuis, PC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, XXXX XXXX is seeking wage garnishment via a collection company by the name of lyons, doudy, and veldhuis for a debt that did not belong to me from 2006. At the time, I had just graduated highschool. I had spoken with them multiple times to advise that the debt did not belong to me. My identity was stolen by my step mother who is not deceased. I have tried everything to get these creditors to investigate the matter further, however they have not been willing to work with me. It is creating so many issues with my life and I am running out of options. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX of XXXX I called to have a new card sent to me from my credit card company Capitol One.They sent a card to the wrong address which was my old one.Which someone stole from the mailbox which was one of the reasons I moved from there because my mail was getting stolen. This is a {$500.00} limit credit card. Somehow these people were able to pull over {$1000.00} out of my bank account through my credit card I do not know how. But they got my bank information so Capital One paid my bank a payment of 800 and some odd dollars. They were supposed to also load my credit card. Well someone kept ordering a card over and over again every time I would order one they would. So I finally told Capital One to close my account and I would go ahead and pay them off I paid them down to where I only owed {$170.00}. Well I gave it a couple weeks I just called them yesterday and they said I called in on XX/XX/XXXX and reopen my account had a card expedited to me and have had money pulled off my card I told them that was not me. They would not lock my card in any way shape or form so nobody could get it except for me. They would not tell me exactly how this person was giving information to them and this is Capital One a big company I was shocked because they kept putting money on my account. It was just a huge mess and has been and somebody is still messing with the account right now they won't do anything about it I don't know what to do. They keep locking me out of the app so I can't send you guys screenshots. Anytime I call they tell me that they are putting me through to a supervisor and I have been hung up on and I have been told I'm talking to supervisor but then after a short conversation then told that the person was not the supervisor and they were going to get the supervisor it has been crazy.I got to the part where u asked for the card number the THIEF 'S keep ordering new cards i have no card if u call and ask for my account by name they will say i font have one but here is my social XXXX youll need it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was removed from my credit report once.. Now it's sold to another dept company. It was done through a dispute through the credit XXXX  and XXXX  and never gotten back to the company so therefore they removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Specialized Loan Servicing Holdings LLC
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:
I am requesting my mortgage services to report my payments to the credit bureau. My servicer is Specialize Loan Servicing. I contacted them last month requesting my payments to be reported to the bureaus. I was told that on record it shows that I filed a chapter XXXX bankruptcy. I did file a chapter XXXX in XXXX which was discharged in XXXX. Also. I know by law that cant report but in XXXX my husband and I filed a chapter XXXX repayment plan. We paid our mortgage through the plan and received a discharge in XXXX. I spoke with my attorney about why the mortgage company wasnt reporting my payments. My attorney office states once we received our discharge the mortgage company should be reporting my payments to the bureau. Im trying to get some much needed repairs do e on my home and each time I try to get a loan Im told I dont have a long history of payments. That is ridiculous because Ive been paying a mortgage since XXXX! The problem is theres no record on my credit report.Last week I sent XXXX documents to prove I have a mortgage. Their investigation didnt change anything. So, basically thats why Im sending this complaint to this office.

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 2018-04-26
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ALPINE CREDIT INC on behalf of XXXX XXXX MD put a {$38.00} collection account on my credit they are claiming to be my wife 's. One that I know I never co-signed on, yet they are reporting it as such. When I call to have them correct the issue they become combative, wrongly tell me this is Colorado State Law and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT # 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 2020-01-21
Company: SECURITY FINANCE CORP
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called people that was not on my contact list. I don't even know this person well enough to know their phone numbers and they told this person that I listed them as a reference. Then they told her to have me contact them. They also called my boyfriend that I also did not list on my contact list and told him to have me call them because my account was headed for legal status. That is something he did not need to know. If I wanted him to know all of my personal business I would tell him. That is why he was not on my contact list

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 2021-05-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE FOR THESE INQUIRIES TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-07-03
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested information regarding forbearance from NewRez, but did not opt to participate in the forbearance program and have paid all mortgage payments in full and when due. I was surprised to receive a letter from NewRex approving my husband and I for the program in XXXX. I later learned that NewRez placed a comment regarding relief due to natural disaster on my credit report ( and likely on my husband 's as well ) even though we have continued to pay our mortgage on time and in full every month. 

Given that we did not actually request to participate in the program and have not availed ourselves of the benefit offered, we think it is inappropriate to have any indication regarding natural disaster relief on our credit reports. While not a " derogatory mark '' it could be confusing for future lenders and adversely impact our ability to obtain credit. 

I requested this information to be removed on XX/XX/20 over the phone and via email. 

I inquired with NewRez about refinancing on XX/XX/20 and was told that they could not generate a loan because of a forbearance on the account. I emailed and called to clarify that this is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I opened this Bank of America bank account in California {$300.00} deposit for account opening. 
XX/XX/XXXX I received a wire transfer of {$18000.00} XX/XX/XXXX BOA charges me {$15.00} for wire transfer fee XX/XX/XXXX Then i see my account shows Hold PENDING DEBIT/HOLD ON XX/XX/XXXX - {$880000.00} I don't know why this happensXXXX I ask customer servicecustomer service told me They need to wait 24-48 hours to know why. 
XX/XX/XXXX I contact customer service againXXXXShe transferred me to the so-called internal fraud departmentThen tell me that the phone number of this department can't be made public, only the transfer can be transferred. 
Internal fraud department asked me for account informationTell me they need to review {$18000.00} this wire transferthen, Until the end of the review, my account will be put on hold until XXXXThey will tell me the answer within this deadline. 
I ask why it takes so long? Do you need any information? I can provide. and i ask I can't wait so long, you can return this wire transfer? 
Customer service tell me all can't Bank of America seized my money unconditionallyDo n't give me any 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 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have paid my account to XXXX in full as of XX/XX/2018. XXXX, XXXX XXXX ( their  lawyer ) and all three credit report agencies are not updating my credit reports to show this is a satisfied debt. The CRAs said I have to contact XXXX to have it updated. I contacted XXXX twice by mail with proof of payment from my bank and proof from my letter from the lawyer that it is satisfied. XXXX sent me letters saying its correct on my report. No its not. Its still showing as a collection account. Its paid. Plus its showing under XXXX and XXXX XXXX XXXX as a bad debt!

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 2020-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for over {$30000.00} on XX/XX/2020. I was given a funds availability date which was changed. It was then change the 2nd time and a hardhold was put on my account. I was told that the funds would be fully available on XX/XX/2020. Today when contacted Bank of America to find out why the funds were not available they said that they have not yet been able to collect on the funds and that the funds would be fully available on XX/XX/2020. They could not give me a straight answer and said that if the funds become available prior to that I should still expect that there would not be available to me until XX/XX/2020. This is over a 30 day hold on a check I have deposited 4 prior checks totaling over {$100000.00} from the same issuing bank. There delays are significant. I have confirm that the issuing back has in fact paid the check. And bank of America confirmed that it was not returned. It has been over 2 weeks and nothing has changed.

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
Consumer complaint received 2020-01-21
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was divorced in 2004 and I agreed to take the school loans in my divorce. Our loans are consolidated. Therefore, they are wanting to take my tax return and my ex-husbands tax return including his new wife 's income and base my monthly payment on that total income. I have spoke with numerous people and they quote me from {$500.00} a month to {$1000.00}. I am a single mother and have no means to pay that kind of payment. My credit score went down 43 points in one month due to my PHEAA student loan account balance increasing by {$100.00} from {$29000.00} to {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation