BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
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:
I am consumer, natural person, and protected person under the Fair Credit Reporting Act. 
15 USC 1681 c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2021-10-05
Company: CHECK INTO CASH INC.
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 status incorrect

Complaint:
I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, XX/XX/2019 and XX/XX/2019 Certified mail was sent to Equifax stating them to provide information that the debt that they have claimed to be mine is accurate and to provide me with original documents with my signature Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.e showing that this debt is mine, under the FCRA. Also Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Not only did they not provide me with the information Requested, they sent me a letter back stating it was mine without even showing how they verified it as being mine? Is this against the law? Can I sue them for fraud? This is what it will be at this point correct? They broke the FCRA law and did not take the proper steps to verify that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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 submitted a letter to XXXX & Equifax, XXXX XXXX advising them that these two accounts don't belong to me, they sent me a letter explaining that their investigation was completed. I then requested a copy of how they verified the information that I had disputed? they then advise me if I had any issue to please contact the creditor I contacted the creditor they themself have not been available to verify or furnish a signed agreement bearing my signature to prove to them that the account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Thank you for your response on XX/XX/XXXX via CFPB. 
Please find attached XXXX of Attorney from widow of XXXX XXXX to XXXX XXXX as you requested. 
We still need to be answered following questions please reopen your case about our complaint.

CFPB Complaint Numbers : XXXX and XXXX XXXX. Copy of all documents youve shared with Law of XXXX A. XXXX, XXXX without our permission. 
2. XXXX XXXX XXXX is a real organization? The XXXX XXXX given was XXXX XXXX, certify mail with Return receipt never return. 
2. You are not the only one claim to be the note holder, how do we know who is the legitimate note holder? 
3. Actual Borrower is passed away ; dead person couldn't give any authorization to discuss subject loan 4. According to Gov Rules and Regulation, Loan Servicer do not have the power to foreclosure any property, who is initiate the last foreclosure sale. 

If you don't respond this issue properly, we might see you at the court. 
That is the recommendation of a CFPB officer If you are the right party ( we need to verify ), we demand following as the solution of the issues. 
1. Stop fraudulent Collection Activities. 
2. Fully disclose the Full Legal Name and contact information including website address of Legal Note Holders. 
3. Honor Flex modification that XXXX XXXX  promised on XXXX XXXX https : XXXX % XXXX % XXXX % XXXX? XXXX 4. Or if you paid to XXXX or XXXX XXXX, wed buy you out the price you paid to them. 
5. Or Under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ), We have a right to  know who the true party of interest in this transaction is. As such, We are asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. 

Please also stipulate for the record whether or not our loan has been securitized, and if so, the name of the XXXX  our loan is bundled with. 

If our loan has been securitized, then please provide us the pooling and servicing agreement that names our loan as well as any documentations that explicitly gives you the right to service our loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from our despite our request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I submitted a dispute for these accounts XXXX XXXX XXXX   Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX because they do not belong to me. XXXX and XXXX deleted them from my credit file but Equifax claims they verified the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bank of America needs to be investigated or shut down they are hiring employees that dont know how to do what the customers need them to do someone filed a room without my permission on XX/XX/XXXX they left my account pending for XXXX weeks the person. Assigned to my case in the back Office got upset me because I made complaints about my account whoever he or XXXX is went into my account and found a claim From last year and out my account in the negative they waited XXXX weeks to tell me That one of the representatives did my claim wrong and actually duplicated my claim Last year but Im Just finding that out when they put my account in the negative thanks to them I have no money to pay bills at all and they are not treating my account right at all Im currently looking for a lawyer because I feel I need to be compensated for XXXX years of incompetence from a bank that is supposed be professionally but they are just lost Confused uneducated thiefs and liars to their customers amd they are stealing from the poor my claims have police report numbers iv faxed over but Im being told that they have no record but I have proof that I did send it in more then once shut this bank down now please

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 2023-06-14
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my XXXX mortgage payment on XXXX XXXX and confirmed the payment was received and processed by Seneca on XXXX XXXX. My mortgage is now being reported as late to my Credit Report which is false and XXXX is harassing me my phone to demand payment. I still have not received any documentation from Seneca about redirecting my monthly payments. I received an odd e-mail from XXXX Mortgage on XX/XX/XXXX claiming that my mortgage had been transferred. This is the first notice that I have received about this issue. I refinanced with XXXX two years ago and my loan is now with Seneca Mortgage, they have proved to be a disorganized mess. I have not received any information from Seneca about the transfer and I have not received the package that XXXX claims to have mailed to me. I responded to the e-mail the same day stating that I would not change my monthly payments until notified by Seneca. XXXX has not responded. I had a similar issue the first year of my mortgage ( XX/XX/XXXX ) with XXXX different lenders claiming to own my mortgage. I had not received anything from XXXX XXXX XXXX. Unlike Seneca, they answer their customer calls very quickly and they verified by phone and e-mail that the information was a fraud attempt to get customers to redirect their payments. I have been on the phone trying to reach Seneca 's joke of a customer service since receiving the e-mail and hung up several times after being on hold for 20+ minutes without anyone picking up the call. I have already processed the payment for the XXXX payment to Seneca. My mortgage is up to date and should not now being reported as past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submititing this Complaint to dispute the inclusion of an account on my credit report. I recently obtained a copy of my credit report from the Credit reporting agencies, and upon review, I noticed the presence of an account for which I require documentation to substantiate its validity and compliance with my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request verification of the accuracy and legitimacy of any information on my credit report. I kindly request that you provide me with the necessary documentation that establishes the legitimacy and rightful inclusion of the account in question. This documentation should include, but is not limited to, the original signed contract, detailed payment history, and any other relevant records supporting the validity of this account. I need the Credit Bureaus to investigate and correct the listed account : XXXX XXXX XXXX : {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan on online XX/XX/2019 with ONE MAIN FINANCIAL and received an Approval for two types of loans {$11000.00} secured, {$6200.00} unsecured. I received an email from a local branch in XXXX CALIFORNIA. I called and someone ask can she call me back later she had a customer at her desk. I received a call from XXXX three hours later and she ask me a lot of questions which was fine, but I started feeling like she was stereotyping me. XXXX ask me to upload my Check stubs verification of income, Drivers License, and Bank Statement for proof of Residents. The next morning I upload all the information she request and she called me back 30 min later and said we can't approval your loan, because we can't verify your income ... I said how did you try to verify my income than she will we look at your bank statement and then a said I have Three bank accounts, you told to just a Bank statement for proof of Residents.. I ask to speak with the Manager XXXX XXXX and she said hold and then came back to the phone and said he is busy and that I can call corporate, because they are the one who made the decision NOT TRUE!!!! I work for the XXXX XXXX XXXX XXXX, AND A XXXX   XXXX COMPANY. MY CREDIT IS GOOD NO LATES, NO COLLECTIONS, NO JUDGEMENTS. THIS WAS A CLEAR CASE OF ME BEING XXXX AND THEY WERE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently behind in my mortgage payments with Nationstar and have a foreclosure sale date scheduled on XXXX/XXXX/16. They are reviewing me for a loan modification and all the requested documents have been provided to them. They are telling me that the sale date may still go through which is why I am reaching out to you. Please provide any assistance in getting my sale date postponed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Contacted the original company the debt was owed too. I inquired about the status of the debt. I was informed this company, XXXX XXXX XXXX law firm now had the debt and was given information to contact them. I contacted them and was successfully able to speak with XXXX on XX/XX/XXXX. She informed me that there was a Do Not Contact on my account, however they did not have any phone number listed on my account. Additionally, she shared that they received returned mail on XX/XX/XXXX from a PO Box . I clarified I did not maintain that PO Box . She explained that they was a lawsuit filed on XX/XX/XXXX for the amount of {$6800.00}. I inquired about how that could be when I had never been contacted nor received any mail from them. She transferred me over to attorney, XXXX XXXX XXXX. When speaking with Mr. XXXX he inquired about my PO Box address and I believe he took the correct one down. He informed me that their office received a letter from a person with similar name as mine from an address that was not associated with me. However, it was clarified the letter was signed by me. Mr. XXXX stated he would follow up with me. I have contacted the office now three times and have not been able to reach Mr. XXXX, nor have I received clarity on what is going on. I contacted the office on XX/XX/XXXX and XX/XX/XXXX. I was able to leave a message for Mr. 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I had two suspicious collections appear on my credit report. I flagged it, and two of the three bureaus removed it after investigation. XXXX refuses to remove it, but has failed for several months now to show ANY proof of the debt. I have repeatedly filed disputes and asked them to get anything from the debt collector that shows a legitimate debt. They respond with nothing other than saying the debt collector says that its real. But no proof of any kind with my signature. Once again, it has been several months, and its affecting my ability to buy a house. I warned them that if they didnt start following the federal law I would report them to CFPB. They dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: NC
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 filed a dispute on XXXX and XXXX both came back verified. I had sent a letter i received from the creditor/collection agency, stating i was no longer responsible for this debt. Equifax refused to remove this from my credit report. I had already sent the same letter ( enclosed ) to XXXX and XXXX and got the account removed. The amount in question was {$970.00}. Equifax has since said they will no longer investigate this matter. The letter states clearly the collection agency has ceased collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a BMW XXXX XXXX VIN # XXXX from XXXX XXXX BMW in XXXX XXXX NJ XXXX I purchased the vehicle on XX/XX/XXXX and now it's XX/XX/XXXX and still have no got no plates on my car due to title issues. I suspect that the car title was not cleared prior to being sold to me, therefore the delays and I don't seem to get any specific answers from them as of why this is happening so I decided to file a complaint and see if I can get this solved.

Company response to consumer: Closed with explanation