BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a collection company many of several that are representing XXXX, XXXX XXXX that I have disputed on several instances. XXXX will remove for about 2 months and it will reappear with another collection agency listed but same debit. I have not received any supporting documentation from the provider with proof that this is my debt. I have however submitted documentation to XXXX via cerfitied mail with my ID, SS card and proof of residence. Each time a different collection agency appears on my credit report its under a another name and is extended for another seven years. I'm not sure what else I need to prove?  Listed below is the last company that was added. This account was not opened on this date it is actually the date that it was readded to my credit report. Any assistance you could give would be greatly appreciated.This was the first collection agency that was disputed. Account # − XXXX  XXXX XXXX XX/XX/XXXX.  Same debt collector with XXXX and now it is  I C System showing that it was opened XX/XX/XXXX $XXXXoriginal creditor: 11 XXXX XXXX and will remain on my report until XX/XX/XXXX. I was under the impression that the statue of limitations was 7-10 years. Each time that I have disputed the bill that start over with a new collection company and more years.

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 2018-02-28
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
On XX/XX/XXXX, while I was in a natural disaster forbearance period with US Bank Mortgage, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called US Bank once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. US Bank finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but XXXX refused based upon the existing letter. I spoke to several representatives from both XXXX and US Bank to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.

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 2020-10-27
Company: WATERMARK CAPITAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already paid off my loan. My final payment was on XX/XX/2020. 
They completed the final payment processing on XX/XX/2020. 

Since then I have been contacting them to get my original recorded lien release document, but I am getting round about answers and answers like it will take 30-45 business days. I have contracted them at least 3 three time within this 4 months I been waiting. Today I was on call with them for more than 1.5 hours and they finally told me, release has been recorded with the county on XX/XX/2020, but they were unable to answer when will I receive original document. They also would not tell me when will I receive this document, even after it is recorded. Customer support representative told me she has to submit yet another request to their " internal department '' to figure out how long would it take to get this document in my hand and said there is no way for me to talk to them directly. They also put some blame on Pandemic, which is understandable and initially I understood that, but it seems little ridiculous after 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: EQUIFAX, 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 saw this account with XXXX XXXX XXXX XXXX on my XXXX credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX.The alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my three credit reports,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
There are Inquiries on my credit report that are not on my behalf. 
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 non-monetary relief
Consumer complaint received 2018-08-26
Company: Experian Information Solutions Inc.
State: IL
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 a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted XXXX, XXXX, and Experian to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.

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 2020-10-28
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to COVID, my tenants unexpectedly breached their lease and I wanted to take advantage of the Federal COVID relief by forbearing three mortgage and interest payments on my loan. This was verbally discussed with my lender, US Bank, and they didn't charge me late fees for this period. 

I got new tenants and resumed payment on my loan on XX/XX/2020. I paid my XXXX and XXXX payments ( mortgage, interest, escrow for taxes and insurance ). US Bank submitted a Payment Deferral Agreement to me on XX/XX/2020 for a deferral of 5 months. 

I've spent hours on the phone trying to get them to change the Deferral from 5 to 3 months and they have been unable. Today I lodged a " formal internal complaint '' with them and created this CFPB complaint in an effort to get this 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 explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: MA
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:
Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, Experian, andXXXX  ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. 

I know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account with XXXX XXXX that is a fraudulent account that was opened up with out my knowledge. XXXX XXXX XXXX contact number XXXX attempted to collect on this debt of {$1100.00} and I sent documentations and regarding to police report and identity theft affidavit and this account was removed and ceased collection as of XX/XX/2020. Today XX/XX/2020 this fraudulent account was then reported back on my credit report from Enhanced Recovery Collection agency. I contacted to advised them I would like to dispute this account and they have not sent any information in regards to this debt being owed nor was it verified and this is against my consumer rights. I want this fraudulent account removed immediately due to violation of my consumer rights due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am XXXX XXXX XXXX. About 10 years ago, I was approached about getting {$10000.00} for a personal loan from One Main Financial in XXXX XXXX, Ca. A lot of my older friends at the cafe was approached. I have a balance of over {$6400.00} which has taken me years upon years to get to this balance. My daughter told me this is considered a predatory loan that sometimes older people who dont know any better are approached to get. They asked me to bring in my wifes information ; retirement statement, income but said she did not have to sign anything. My daughter who is now speaking on my behalf approached them to resolve and forgive the balance of the loan but they will not. I am reporting them to you and would like this off my credit report. I do t have long on this earth and I do not want my children and wife to suffer for my missteps in getting involved with a predatory loan. I appreciate you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Wells Fargo after sending in my hardship and financial paperwork and there were a few items they requested on XX/XX/18, I returned those documents on XX/XX/18 and they confirmed they were received on XX/XX/18 but they scheduled a sale date on XX/XX/18 for XX/XX/18 and said they because they received the documents less than 37 days before the sale date they can not help me and I need to reinstate if I want to keep my 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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Transunion and XXXX  have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON 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 2023-08-24
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this is not my account and I have disputed this before its taking off then returns opened date XX/XX/23 amount {$660.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: NE
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2015 I had an account with Bank of America ( BOA ) that was hacked. I found out throw a rep someone went into the branch on the corner of XXXX XXXX and XXXX in XXXX TX and tried to cash checks on my account. They also were able to log in to my account. I request the Branch Manager show me the recording from the day so that I could see the person and we could get to the bottom of what was going on. I was informed by the Branch Manager that this issue would not receive any attention from the authorities because of the dollar amount being less the {$4000.00}. This was not a comfort to me because I had another account with XXXX that was linked to BOA. I contacted XXXX and explained what had happen they IMMENDATILY went into action to protect my XXXX account in which I am still a member to this day. 

I am now made aware the BOA has added a comment to XXXX XXXX against me for check fraud. I seeking assistance in getting this remove form my XXXX XXXX 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 2020-12-09
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
SEQUIUM ASSET SOLUTIONS : illegally placed debt on my credit report without properly verify the debt actually belongs to me. I never received any notification on this debt, from the above company, nor did I get a chance to respond to this incorrect debt. The debt collector never allowed me a request for VALIDATION pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay this debt, and that they are legally allowed to collect any debts in my state they are in non-compliance with this request to allow me to validate this incorrect debt.to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
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:
My truck was broken into XXXX years ago, and my computer bag, laptop, passport, and other documents were inside. Shortly after that, I became plagued with identity theft fraud. Someone opened up a business account and or loan with XXXX XXXX under my name. I have submitted documentation to the bank regarding the fraud, and to date, it has not been rectified. I am requesting for the account to be deleted from credit bureau reports and for collection activity to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX XXXXXXXX a validation of debt letter ( see attached validation letter ) for an alleged debt that was reporting on my XXXX, XXXX and XXXX reports. XXXX XXXX XXXX   XXXX never sent any mail stating that was a debt collector attempting to collect this alleged debt, I only found out about such debt by review my credit report. 

In the debt validation letter I requested that XXXX XXXX XXXX XXXXXXXX give me the name, telephone number and address of original creditor along with other competent documents that give proves that I owe the alleged debt, XXXX XXXX XXXX XXXXXXXX has not responded to my debt validation letter, but yet still reporting this alleged debt to the credit bureaus.

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 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I asked Transunion, XXXX, XXXX to validate and delete this inaccurate information and the information was never sent to me and this negative inaccurate information is impacting my credit scores i asked for this XX/XX/2018 for the public record bankruptcy and a closed credit card account and inquiries to be deleted. Because of inaccuracies.

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 2019-08-19
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
InXX/XX/XXXX my wife and I got a pre-qualification letter from US Bank and using that we put an offer on a house we liked and our offer was accepted. When we went back to the lender to start our application our assigned loan officer, XXXX XXXX, told me he can not start the application because we will not get approved and the file will be cancelled. I did not want to lose my earnest money so I begged him to start the application and let it be denied but he said that his boss ,XXXX XXXX told him that this file will not be approved and she does not want to have a cancelled file in her team.When I asked for the last time to please start our application he said sorry buddy.We had to go to another lender and start our application but we lost the rate that US Bank was offering and also my employee's discount. I went to my supervisor and told him that this is a violation of fair lending and regulation Z and I want to complain but he said since you are working for mortgage you will lose your job if you file a complaint. I am filling a complaint now because I don't work for our mortgage department any more. Working at mortgage taught me that customers and their interests comes first and what they did to us was unfair and cruel.

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