BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The message said for me to file a mew report due to unable .Dont know why >???

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 2021-09-15
Company: EQUIFAX, INC.
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2021-09-15
Company: Omega RMS, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX OMEGA RMS Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious OMEGA RMS Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The credit reporting company has stated that my account for XXXX XXXX XXXX  XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. According to FCRA 609A 1. Where is the proof? 2. Why is this account being updated?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was originally paying around XXXX dollars a month and 4 years ago i called them to change my payment plan and they had me pay XXXX dollars a month and i feel like have been paying a lot of interest each month and now is getting really hard for me to make the monthly payments. The balance is still at XXXX XXXX for the longest and they keep charging more interest than anything. Their interest keeps changing constantly each month they take a big chunk for interest and not enough for principal which is why is taking me a long time to pay this off. I now have a mortgage and starting a family and i can not no longer keep paying every month and the balance does not seem to lower a good quantity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Real Time Group, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Despite contacting the company regarding this issue I am making the appropriate monthly payments but the monthly billing statements continue to be incorrect. In the past two months now including XX/XX/2018 my monthly statement does not properly reflect any of the two prior payments and is grossly incorrect. The statement appears to indicate that I am either late or delinquent on past payments in which I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit score dropped over one hundred points from XX/XX/XXXX, my score was XXXX. In XX/XX/XXXX my score dropped to XXXX. 
No late payments- no delinquent accounts with only three accounts, dept. to income ratio improved by selling a home.

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 2021-09-15
Company: Genesis FS Card Services, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Indigo MasterCard, Genesis Card holder services, was caught for the fifth time now trying to get money from me that they are not owed. I have never in my life witnessed such a thieving credit card company in my life! I asked them in XXXX what the payoff amount was and they told me {$260.00}, to which I immediately sent them in a money order and was relieved in getting rid of them. Since this time they were ignorant enough to to send me a $ XXXX.and some change bill on a closed account that was paid off. Tonight they sent me an email for my XXXX statement I called them and told them my account was closed in XXXX and fully paid off. XXXX, their employee said that now I owed {$2.00}. I said why are you still attempting to charge fees to an account that was closed back in XXXX? I since called back twice and the third time tonight, this time, their employee, XXXX, stated that she would remove this fee on my XXXX CLOSED and fully paid off account and send me a letter that they would never contact me again or try to further extort money from me. I told her I am contacting their state attorney general once again and reporting their wrong doing. Please call them at XXXX and fine them or hold the, accountable for their illegal extortion towards me. I blocked them from my email too. Thank you. Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I received notices that my taxes where not paid. In contacting with nee rez was told to file on line. My township tax was due in XX/XX/XXXX and was taken from escrow account but tax collector never received. My school tax was taken out of escrow in XXXX and never paid as well. My township tax didnt appear on my escrow account at all. 

After multiple letters telling me they needed more time to investigate the school tax got paid in XXXX but I was also charged most of the late fees in my escrow account. After contacting them again and more letters asking for more time to investigate in XXXX I filed a complaint with the pa dept of banking. Still getting letters they need more time their came to their first deadline with them of XX/XX/XXXX and asked for more time with them. They extended till XX/XX/XXXX and still taxes not paid and now turned over to XXXX XXXX XXXX. 

Contacted the pa dept of banking on XX/XX/XXXX who states she got a phone call from a mr.XXXX  at new rez that states my taxes will be paid. But until she receives in writing she cant follow up any further. 

How is money removed from escrow and bills not paid. Feeling like I'm in a potsy scam that they steal taking from one and moving money around and not paying the bills they are reporting. 

My taxes for XXXX are coming due in XXXX again. Is this going to continue? How is my taxes turned over to the collection bureau going to impact my credit score? When will XXXX taxes get paid and will they return the late fees they back charged me? I want them held accountable for what I feel is illegal handling of my funds. I entrusted them with my payments to make my tax payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX {$300.00} was withdrawn from a joint checking account with my wife for payment to SSA Treasury. On XX/XX/XXXX, {$170.00} was withdrawn from the same checking account for payment to Treasury. The reason I was told is that my father needed to repay a SS check that was issued to him in error after his XXXX. I was told the bank had the authority to go into a joint account with my wife since I had a joint account with my father. I was also told that they could so without any notification on the banks part. 
I have asked on 2 occasions that they provide to me in writing the rule/regulation that allows them the authority to do the above and what authority allows them to do so without notification. 
The bank has not provided that letter after 2 requests. 
The bank is Santander Bank. 
The joint account is XXXX and XXXX 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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. 

I received a letter from the credit bureau stating these places have a right to perform these credit inquiries, which is false. If I didn't authorize them, they should not be on my credit report. The credit bureau is still refusing to remove these inquiries. I will attach a picture of the letter they sent. 

Here are the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
in XX/XX/2014, my family applied and was approved for a loan consolidation cash out, refinance with Chase bank, where all 4 mortgages have been for decades..This was on SFR worth then {$750000.00}, now $ XXXX amt was for {$410000.00} at 4.625 % with a sole borrower as acting trustee of a revocable trust requiring only 1 trustee signature. We were Required as a condition of closing to close all credit accounts so all unsecured debt Would be Paid off directly by Chase bank after closing and funding of loan. Loan officer And manager were made aware before ApplicationThat co-trustee was elderly and non-Compliant, combative and acting in bad faith With regards to Trust properties. She had never managed the estate and did not understand the need to maintain property condition and satisfy county condition requirements. Therefore All documents were submitted To show trustees and beneficiaries ' rights To conduct The Business and Encumber, sell mortgage etc. properties with only one signature. They had 3 trust members at closing, 2 more than necessary. The manager and loan officer pre Approved paperwork and understood Circumstances. At closing, Notary was present along with both beneficiaries and acting trustee. co-trustee wouldn't participate but tried to derail closing by screaming profanity while running in lobby in her pajamas. She also sent fake letters to the branch about co-trustee.All consolidated debts were trust debts as well as trust assets. No additional debt would be incurred and overall monthly payments would decrease by more than {$3000.00} with refinance and consolidation with reduced int rates.. Chase did not close because of her antics and as a result, mortgages went into default, all Credit payoffs were missed and our credit as a family destroyed.

Many accounts were over 40 years old and had no credit limits.

As a result of missed pay-off accounts all show defaulted, charged off, or creditors are suing for payment and we are unable to obtain any personal credit. were forced to get a bridge loan at 9 % int only for 2 years to make repairs, mortgages all show lates or were transferred to another servicer with fees and delinquencies. Our XXXX hit an all-time low of XXXX! Properties still in disrepair as we are unable to obtain financing to fund rehabs. 
Since then we have not been able to obtain a loan, refinance or settle with closed cards and chase has done nothing to assist and we just paid off old loans with hard money, we kept banking at same location anticipating a resolution. These loans were over 30 years old with chase and elderly owners ( XXXX & XXXX ). We can not recover from this failure to honor the trust document. Our insurance billed to the closed accounts and is lost as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have an account on my credit report that caused me to be denied housing onXX/XX/XXXX.

I contacted the agency who is listed : XXXX XXXX XXXX  Reported : XX/XX/XXXX{$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} OpenedXX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXX I disputed the information. Then in XX/XX/XXXXI called again to XXXX XXXX and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with Equifax twice and they have " confirmed '' it twice. But Equifax says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house sinceXX/XX/XXXX that I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call XXXX XXXX, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
in XX/XX/XXXX i tried to create an account with XXXX ( equifax ). the site said an email would be sent to me. none was. i called but was put on indefinite hold. i tried again in late XX/XX/XXXX to create an account. this time i received an email ( XX/XX/XXXX ) from XXXX with a link to activate my account. everytime i have clicked the link it opens a page that says " system unavailable. can not process. try again later. '' i tried calling but again was put on indefinite hold. 

it 's bad enough that equifax let hackers steal my information and then withheld that development for months. now they wo n't stand behind their promise to provide identity protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX did forceful file of taxes for 2008 which in turn they file judgement for {$6200.00} which I did n't own. They later release the lien. I reported to all their credit bureaus but Trans Union refuses to remove it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Synerprise Consulting Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have updated my personal information with XXXX the Credit Bureau constantly to make sure that if there is any debt in my name I am notified in a timely fashion. After paying for a membership to continuously monitor all activity in my credit reporting, I am seeing a company by the name of XXXX XXXX who is reporting a Medical account in Collections. The total amount is {$220.00}. I have XXXX XXXX XXXX XXXX and I also have XXXX XXXX as insurance companies. I am not aware of any service that I was treated for and resulted in a debt to any medical facility. I have not received any mail concerning this account or a phone call from the collections company who currently has the debt. The collections company is SYNERPRISE CONSULTIN XXXX XXXX XXXX, KS XXXX. I have tried to contact both companies so I can receive a letter of validation concerning the debt. I have had no luck in doing so. I am requesting proper notification as this account is now reporting as 2 years and 2 months old but it is the first time I have ever seen it in my credit history. Needless to say it is negatively affecting my credit worthiness as XXXX XXXX continues to report this debt. A debt that I have not been notified about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit Acceptance has repeatedly called me several times a day from several different numbers. disrupting me while i work and causing me excessive stress. this intimidation tactic is clearly harassment, and i am still dealing with the stress of it to this day. 

Credit acceptance willingly and knowingly violated my rights, 15 USC - 1692d

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 2021-09-15
Company: Blackhawk Network Holdings Inc.
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Prepaid card was loaded with {$50.00} but once expired wouldn't renew making me out the money and the company XXXX the balance and keeping the funds. No different than theft and zero notice to use.

Company response to consumer: Closed with monetary relief