BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from XXXX XXXX XXXX. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted XXXX XXXX XXXX   to be aware that my mortgage which is under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that Bank of America must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with XXXX XXXX XXXX they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

Bank of America/XXXX XXXX / XXXX XXXX XXXX   have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that XXXX XXXX XXXX as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-12-10
Company: CL Holdings LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received multiple harassing phone calls -- 3 in a day, XX/XX/19. I called back because I'm annoyed, the recording asked for me to input my social security number -- which I did not input. I looked the company up, called them, and they again asked for my SSN, which I did not give. Then I told them I was going to report them and I am. They looked up my account with the last 4 of my social and I am not in the system for owing anything. Please investigate them, I can only imagine what they are doing to people who don't know to come to the CFPB. Put Jefferson Capital Systems , LLC out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a promotional checking account with Fifth Third Bank on XX/XX/XXXX I had completed the requirements needed for the {$250.00} promo but as of today I have not received it. 

The Problem : A loan popped up on my online account when I logged in one day, the loan says I owe {$4400.00} open date of XX/XX/XXXX, I asked the bank to provide documents but the say it's XXXX years old and no information exist, so I ask why is this unknown loan on my account showing due of almost 5k with no backup documents. also says balance of {$1100.00}? 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I try to open account with bank they told me someone opened account in my name and I couldnt open account and I never banked with company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below )

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 2023-09-06
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a title loan with TitleMax in XXXX, and Im still having to pay for that loan as of XX/XX/XXXX. My balance has continued to fluctuate and Ive paid more on the payments that were due while making each payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Nelnet, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already submitted my original complaint, Nelnet actually sent me my copy b 1099 C which means my student loan debt has been paid. They claimed I falsified documents but this document Im attaching clearly says its from Nelnet Inc and they accepted my tender of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, sent Capital One in writing a DEBT VALIDATION letter in order to validate a debt shown on my consumer report, on all 3 major consumer reporting agencies. Pursuant to 15 USC 1692g the debt was to be validated and is being disputed by me, XXXX XXXX. I sent CAPITAL ONE the validation letter along with a CEASE AND DESIST letter on XX/XX/2021 certified mail and CAPITAL ONE received the letter on XX/XX/2021. I received a letter dated XX/XX/2021 from CAPITAL ONE asking me to send them additional information which I am not required to do so. Capital has refused to validate the debt and has also not ceased collection activities. CAPITAL ONE is still harassing me by sending me letters and still having false information reported to the consumer reporting agencies after the cease and desist letter was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two accounts reporting on TransUnion with a company by the name of XXXX XXXX. I have never had any type of account with this company. I even tried to look it up on line and there is nothing that matches this company. I don't have any type of loan with them especially not 2 of them.

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 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
THE BANK COMMITTED FRAUD AS DISABILITY INSURANCE SHOULD PAID THE ACCT IN FULL BANK COMMITTED FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies XXXX XXXX XXXX, Chexsystems Inc, and XXXX XXXX to notify them of the unauthorized activity that needs to removed per federal law FCRA 609.

Chexsystems consumer ID XXXX XXXX XXXX consumer ID XXXX 2 fraudulent bank accounts : XXXX XXXX  opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX 20 fraudulent bank account 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 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 2023-08-30
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX  I was given the attached response from Nelnet , Inc. that stated my student loan account was not discharged and that the digital 1099-C form I submitted to them was fraudulent. However, in the afternoon of XX/XX/, I received an official Copy B of the 1099-C form from Nelnet, Inc. 's business address stating that my student loan account had been officially discharged. Please see the attachments of the envelope and 1099-C form that was sent from Nelnet , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Regional Management Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Im getting outrageously charged for a XXXXXXXX XXXX  Im paying as much as possible and Im still getting harassed everyday with calls even after I pay my balance is not moving with the payment arrangement and they are not willing to help so basically putting me deeper in debt with high and unfair interest r rates. Im ready to file bankruptcy! Its sad that these people prey on the less fortunate through trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TapTap Send Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
On XX/XX/2023 I used their services ( Tap Tap Send ) to send {$680.00} to my family in XXXX for medical emergency. They were supposed to receive the money within minutes, but until the time that I am making this complaint my family have not received the money and somebody's live is at risk. I contacted the company everyday since the day of the transfer and nothing has been done to solve the issue. I even explained to them that it was for medical expenses, they promised to escalate and resolve it ASAP on Sunday but nothing has been done. Everytime I call the give me the same answer with no time line on when to expect it to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: DE
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After looking over my credit report I notice an inquiry from XXXX XXXX XXXX XXXX on XXXX that I didn't authorize. I would like this incorrect information to be removed off my credit report please. 

Again, the XXXX was from XXXX XXXX XX/XX/2022 that i didn't authorize.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$220.00}

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 2019-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have sent multiple letters to each credit bureau with supporting documents that other CRA 's have deleted creditors off my report that were not able to be verified. Please see attached letters to show proof that I made attempts to resolve the matter. XXXX XXXX creditor does not have proof of signature or any documents of my account because I have called multiple times and they can not locate me on the system. XXXX XXXX keeps sending the letter attached repeatedly, after I have asked for verification or what documentation they have on 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 non-monetary relief
Consumer complaint received 2023-08-24
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:
The following information does not belong to me. I demand immediate removal and future reporting blocked from my report. This information is not mine and needs to be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
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:
On XX/XX/19 my credit monitoring company notified me that XXXX XXXX had made an inquiry on my Equifax credit report. This was a fraudulent inquiry that I did not authorize. I disputed this inquiry with Equifax because I've heard hard-pull inquiries can lower your credit score. I want the inquiry removed from my credit report. 

Equifax informed me they could not remove this inquiry because " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' That response makes no sense because in this case the creditor made the fraudulent inquiry. It's like telling the victim to contact the criminal. 

I did in fact contact XXXX XXXX. They searched my SSN in their system and assured me there was no record of any such inquiry. XXXX  XXXX told me that any " official '' or properly initiated inquiry would be in their system. This to me suggests the inquiry was done by a rouge employee or a hacker with access to XXXX XXXX 's systems. It's also possible it was a simple error ( e.g. someone simply mistyped a SSN ). Regardless, the bank should have a system for tracking ALL inquiries so that they can correct any mistakes or identify hackers or rouge employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: CHECK INTO CASH 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 is missing that should be on the report

Complaint:
I applied for credit with Check into Cash and they made inquiry without reason. I dont have credit with them, It is not fair.

Company response to consumer: Closed with explanation