BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent Transunion a letter on XXXX, 2018 and a follow-up letter dated XX/XX/XXXX asking that Regular Inquiries on my credit report be removed and I also sent a letter on XX/XX/XXXX asking that three Public Records be removed. I attached a  letter from the U S Bankruptcy Court in Missouri, stating that they do not verify public record information with credit bureaus. Per a conversation with a Transunion supervisor on XX/XX/XXXX, he stated that my letters were invalid and would not send me their decision in writing. Please refer to File No. 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 2018-11-26
Company: Synovus Bank
State: MD
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:
XX/XX/2018 was notified that my account needed further verification to sustain the fact that myself the the secured account holder was truly the person who posted money for a Secured credit card this after receipt of monies sent with all proper Id to open the account and use has been continues for over six months .I complied and sent what was requested that was driver license social security card and utility bill this was on XX/XX/2018 as well it was confirm progressive received via fax .No further response until received a letter indicating documents had not been received therefore the account is closed.I called spoke with the initial representative who saw documents had been received and kindly argued the case to her supervisor on my behalf, she had become flustered and directed me to speak with the supervisor who i though would see the error and correct it.He did not but informed me that i should have gotten a police report or disputed a bureau for something i had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Didnt receive prior notice of my right to Dispute this debt that is not owed as required by the law at least five days prior to a debt being added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Local Data Recovery, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
received a phone number from XXXX on XX/XX/XXXX saying they are from lgr wanted me to verify my date of birth to verify to see what this was even about I have no idea who ldr is and I have received six phone calls within XXXX minutes on XX/XX/XXXX which is a violation of the fair deck collection act I have filed a complaint with the attorney general office of Kansas about this also I received another phone call today that was rejected by my phone sent directly to voicemail stating that I had to call if I didn't call they would send it to the shared server would come to my door and issue me a summons I've researched this account online and I found out that other people have had similar experiences as mine have they are completely in violation of the protection act as well as harassing people they will not give you any information unless you're willing to give them your personal information if they're truly were they can provide limited information such as who they are and what they're calling about or anything all they ever tell you is that regarding allegations against you but nothing specific

Company response to consumer: Untimely response
Consumer complaint received 2020-04-27
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to forbear my private student loan with Firstmark Services ( I guess  through XXXX ) since XX/XX/2020. I called and emailed that day with no response. 

I emailed Firstmark Services on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Investor Relations ), XX/XX/XXXX ( Investor Relations-XXXX  XXXX XXXX, XX/XX/XXXX ( still trying to forbear my loan ), XX/XX/XXXX ( complaint about total of what I owe being changed on front page of account ), XX/XX/XXXX ( asking and praying for them to not be dishonest anymore ), XX/XX/XXXX ( another complaint about them changing what I owe them in total on the front page of my account again. 

I have talked to XXXX on the phone on these dates : XX/XX/XXXX XXXX XXXX XXXX XXXX ( I think it might be XXXX XXXX or someone else named XXXX. She called me, and I called her back at XXXX XXXX XXXX XXXX XXXX. She then called me on XX/XX/XXXX, and I had to call her back with the same 800 number. She had me write down contact information about Firstmark Services and XXXX, and she emphasized which XXXX number to call. I called the XXXX number she suggested at XXXX on Monday, XX/XX/XXXX. The first time I called, I talked to woman. The call dropped. I called a second time. A man answered. He asked for some information and said he was forbearing my loan for three months. Oddly enough, he said XXXX XXXXNSTEAD of XXXX. I dont know why he said it that way. I havent heard anything from them ever since. Even though he said he put it on forbearance, my loan on the Firstmark Services website says I owe {$140.00} on XX/XX/XXXX as always. I have checked the website most days with no change. I even sent an email request with the form they suggest on Wednesday, XX/XX/XXXX as a last resort. 

What I originally owe on my loan is {$2000.00}, as stated in the account details. On the front page of my account, however, they are slowly making the total amount on my account slightly higher. ( I take pictures on my phone of this whenever I notice a change. Im also autistic, so I easily notice details like this. ) On XX/XX/XXXX, they changed the current balance to {$2000.00}. On XX/XX/XXXX, they changed it to {$2000.00}. 

Im still learning about how private student loans work, but I never knew how much they mishandled things and lied to their clients until the COVID-19 pandemic came. I dont even know where and how to refinance yet, but I believe its an injustice for these banks to not only take advantage of me but also others, especially people with student loans. I need help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest has not contacted me about this debt. Their initial communication with me has never happened. I disputed this debt and asked for validation, they sent me nothing. They have violated the FCRA and FDCPA multiple times. This is unreal, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Brinks Prepaid MasterCard on XX/XX/20, complete with my full name on it, sent to my home address. I never applied for this card, and don't know how the company would have gotten my name or my address. I feel this has been a huge invasion of my privacy. I feel nervous even calling the company in case this is a phishing scam.

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 2020-07-28
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Last week XXXX, XXXX 2020 I had contacted our present mortgage company to ask for a mortgage statement and mortgage note, due to some unforeseeable circumstances our online privileges were revoked, which by the way is a huge inconvenience. I made them aware of the urgency of my request and after pleading with them they agreed to send me both documents, 5 days later i received a mortgage statement, missing was the mortgage note. I called to resolve the situation and this is where things went very badly. After being passed around I finally was able to speak to someone who agreed to fax the missing document, to my surprise, they faxed someone else mortgage note to our new lender who called me right away, I called my mortgage company back and one again I was transferred to several departments, I spoke with 2 managers who informed me that they had misplaced my file, in addition, they were very unaccommodating, I made them aware I was going to contact CFPB, this did nothing to help me, I pleaded with them to get me my mortgage note due to time constraints, that made no difference to them. on a last effort I asked to speak to another manager, there response was to email them and they would work on it, this is not unacceptable, I do not understand how they could mail me my mortgage statement but tell me they lost my file. I am in desperate need of your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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:
They are reporting inaccuracies in my consumer report due to 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 2020-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
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 want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

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 2020-04-27
Company: EQUIFAX, INC.
State: OK
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 is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX XXXX {$550.00} XXXX  XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently, a collection agency named XXXX XXXX XXXX contacted me about an outstanding balance I had with another company for {$250.00}. I informed them that the balance was due to equipment that was unreturned, but I had since returned the equipment, which negated the balance that was owed. But despite that, this collection agency reported this negated debt anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: ID Analytics, Inc.
State: NV
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 two hard inquiries for credit cards from XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. I have had my credit cards with XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It ( credit report ) says : XXXX XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Open balance 14 SANTANDER Original creditor XXXX   Opened XX/XX/XXXX ( 3 yrs, 2 mos ) ( not true ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 14 SANTANDER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my 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 2020-11-09
Company: LEXISNEXIS
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 want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called back in XX/XX/2017 about this account, I did make every attempt to contact the fraudulent department. They said the issue will be investigated and instead, it has accumulated further.

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 2020-04-27
Company: EQUIFAX, INC.
State: NV
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:
Equifax is willingly and knowingly, disobeying the credit laws at their own benefit and discretion. Equifax has remained to stand against my disputes requesting that they remove these three fraudulent student loan accounts. It has been months since i've first initiated a fraud dispute and i've gotten little to no responses with no verification or clarification how they can say the accounts in question belong to me. There's no way that they could have proved this during any type of investigation when i have never had any relationship with these creditors, never had college loans, i've never shared any personal info with these creditors or anything. I was never notified that these items were in anyway, somehow verified and i was never presented with any verification evidence. I was sent letters by the creditor US DEPT EDU in respondence to my disputes with their own verification departments, and the creditor deemed activities were fraudulent and unverifiable, not being my responsibility. I am just now sending these confirmation documents to Equifax through faxing and i am including CFPB to oversight this exchange online, so i can feel more confident that all will be done appropriately and correctly. I ask Equifax to do their jobs and remove this creditor from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Took out a bank loan to pay off balance of MBNA card. Called MBNA representative on XX/XX/XXXX and spoke in detail that I wanted to pay off everything to have a {$0.00} balance, with nothing due beyond the payment to pay off. We discussed that the due date for payment was XX/XX/XXXX so all interests and fees would be accounted for in the amount to be paid. 

The amount I was told was due was {$10000.00}, and I was specifically told that nothing else would be due beyond this amount. 

The next month I received a bill for interest and fees. I contacted MBNA and was told that credits were being provided on my account. I specifically asked would this mean the card was paid off and nothing else was due. The woman did not state explicitly but implied that everything was being cleared up. 

I received a new bill that indicates interests charges in XXXX have been $ XXXXand fees are {$180.00}. I called MBNA again today to get information. I know there has been a charge or two for small items and I would like to make payment. However, I have not received a bill statement in the mail to show how much was charges, the amount, transaction, or date. 

I held on the line for MBNA for over 15 minutes. At 11 minutes it sounded as if someone answered the line but said nothing. For over 4 minutes of the call from 11 to over 15 minutes I held on and finally hung up. 

If there is interest and fees tied to the account pay off, these need to be removed as promised. If there are charges, I need information as to the charge so I can make payment.

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 2020-11-09
Company: ID Analytics, 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 want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX, XXXX XXXX-XXXX, XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so the disputed items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Avant Holding Company, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Under the CARES ACT due to Covid 19 creditor must offer a financial payment plan if the account was current prior to Covid the company failed to do so I asked and was told that they didnt offer anything as a result of Covid lack of work and unwillingness from the creditor a late payment was reported impacting the livelihood of my family

Company response to consumer: Closed with explanation