BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies do proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from 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 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 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 non-monetary relief
Consumer complaint received 2021-03-27
Company: Global Lending Services LLC
State: GA
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 disputed this inquires on XXXX, it has been more than 45 days and still no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Freedom Mortgage Company
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 want to first apologize as this is definitely still a learning process for me. I am truly attempting to understand the things that are not said which creates the hrey space in which some organization operate. 

In XXXX of XXXX I was on XXXX XXXX and receiving outpatient care. I ended up XXXX  in XX/XX/XXXX for a few months and missed a payment. I made the payment but then had some additional medical issues that left me incapable of executing my financial responsibilities. In XXXX of XXXX I applied for a loan modification which was not approved until XXXX. In XXXX of XXXX my house was damaged due to hurricane Florence which was a natural declared disaster. My credit report has been changed several times by Freedom Mortgage until they just put a delinquent status for 4 months XXXX XXXX to XX/XX/XXXX ). During that time I was in a Forbearance, natural disaster and military orders. Do any of these impact how information is reported to the credit agencies? 

This year I am in a Forbearance however I was current went the Forbearance was implemented yet there is no positive reporting. Is it only negative information that is reported? Please pardon my ignorance

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 2022-08-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of Identity theft. It all started about two year ago, when a lawfirm from Virginia called me to verify an application to lease an apartment. I told them I never apply to lease an apartment. And at that moment they new someone was using my personal information to commit fraud. So I immediately contacted the law enforcement at that state to report it. I also contacted the diferent credit bureau to freeze my credit. After a while I started getting calls from debt collectors telling me that a owe $ XXXX to $ XXXX. I told them someone else is using my personal info to commit this frauds. They requested more paperwork from me and that's what I'm doing now to proof my self that I'm not the person causing these debts collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Innovis
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 fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Thank you, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}

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 explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to report on my recent experience with refinancing my loan with the help of XXXX XXXX ( XXXX ID : XXXX ). It has caused me enormous agony, wasted a lot of my time, appraisal costs and opportunity to gain from refinancing earlier. 
I started my refinance sometime in XX/XX/2021 and submitted a competing offer to match. While I was promised that the offer will be matched in terms of " estimated cash to close '', I was not provided any loan disclosure- always being told that it will happen at closing. Bofa being a big trusted bank, I choose to believe that. However in XXXX after many calls doing follow up, I finally got a closing disclosure. It was not what I promised. Beyond that, the office dishonestly tried to sell that it was a better offer because the " cash to close '' was lower. When I pointed that out that they were two different things, I was given inconsistent reasoning such as XXXX. The competing offer hadnt gone through underwriting which is not a requirement anywhere. Even if it is at Bofa, it was not mentioned. In a subsequent mail, the lender agreed that it was fair offer XXXX. The next reason was that it was below price and this is best Bofa can do. 

At this point, while I was ok with the time and effort I had invested, being mislead was beyond what I could accept. I canceled the application. And since then with a new company within two weeks I have closing disclosure that matches the original terms I had requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or about XX/XX/2020, I authorized Paypal to use my credit card ending in XXXX to process automatic transactions from XXXX. I did not authorize Paypal to use any other forms of payment for these transactions. However, Paypal disregarded my authorizations and used my XXXX checking account to settle a XX/XX/XXXX transaction in the amount of {$34.00}. Paypal did not notify or ask my permission in any form to use my XXXX checking account to complete this transaction. As a result of this unauthorized transaction, my XXXX account got overdrawn and I was charged fees that exceeded the amount of this transaction. My checking account history got damaged as well because of this unauthorized transaction. Paypal fraudulently charged my bank instead of my credit card because bank transactions cost them less than credit card transactions, even though I explicitly instructed them to use my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: ERC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX,2017, XXXX XXXX was removed from my credit report in the amount of {$670.00}. I got a notification on XXXX XXXX saying this account was opened on XXXX XXXX, 2017. By law, this should have not been added with out something in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: EQUIFAX, INC.
State: LA
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 am filing a complaint due to Equifax reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the  CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made.   >>XXXX XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX , XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX ,XXXX XXXX Inquiry from XX/XX/XXXX<<

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've sent Equifax the results of my investigation for fraudulent accounts listed on my credit file and Equifax and Equifax has not kept any of my docusments on file. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

On XX/XX/2018, I faxed documents to Equifax, They verified recieving my documents then I called back two days latter and they said it was no longer there. 

Equifax initated a dispute without my consent. I had already sent equifax, unrebutted facts that were established. Equifax recived a Affidavit of Identity Theft, results of a UCC 11 search, Police Report, and Affidavit of Truth, as well as a cover letter detailing the information and my intention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have Federal Stafford Loans with American Education Services. I reached out to them two years ago to ask them if my loans would be on pause, and if any payments would go towards the principal, due to the student loan pause implemented at the time. I was told " Please note that the loans you have with AES are owned by commercial lenders and do not qualify for any benefits mentioned by the president. The proposal for a 0 % interest rate is for Federal Direct and FFELP loans owned by the Department of Education ( ED ). Loans serviced by AES are bank owned loans and not owned by ED and are not included in the proposal. '' I am now very concerned that I was given incorrect information somehow. With President Biden 's recent decision regarding student loan forgiveness, I am concerned that I will not be able to have my Federal Stafford Loans forgiven because they are being serviced by AES. My loan details clearly indicate that they are owned by PHEAA XXXX XXXX, not a commercial lender. As far as I knew, Stafford Loans were among the most common Federal Student Loans. 

Was I given bad information? And will my Stafford Loans be eligible for forgiveness, even if they are owned by PHEAA and not Dept of Ed? I am concerned that many borrowers in the state of Pennsylvania will be hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: WY
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:
Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own XXXX from getting sued like they rightly deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
None of the issues I checked matched my issue. Two months ago I received a letter from Capital One that they were decreasing my credit limit from {$8500.00} to {$1500.00} because I wasn't using enough of my available credit to warrant such a high limit. I was using the card regularly and I had recently updated my financial status that I was employed. My credit score dropped 34 points and soon after another 6 points even though I had done nothing differently and all of my bills are paid on time. This should be illegal and they should reinstate my {$8500.00} credit limit. Another two cards I have had recently raised my limit without me even asking. That is how it is supposed to work right? 
P.S. Consumer Advocate XXXX XXXX suggested I reach out to you and is aware that Capital One is doing this to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: NCB Management Services Inc.
State: CA
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:
NCB Management Services was collecting for a debt I had, and their collection agent promised that if I paid them, they would delete it from my credit report at all credit bureaus, all I had to do was dispute it through the credit bureaus after I paid. 

So I paid NCB Management Services, and now I have disputed the account multiple times through the credit bureaus but NCB Management refuses to delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have spoken to Transunion multiple times in reference to unauthorized inquiries that are listed on my credit report. I spoke to a US Rep by the name of XXXX and she informed me she would be removing all unauthorized accounts from my report. Two months have passed, and nothing was deleted. I called Transunion again, spoke to a Rep named XXXX and he was rude and hung up on me when I questioned about the inquiries never being deleted. I am requesting that all inquiries that I have not authorized be deleted from my account. 

Inquiries are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  I am requesting these inquiries be removed from my account.

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 2017-03-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Since Nationstar did not comply to my previous request, I would like to add to my previous complaint ( XXXX ). Please, se the attached letters. CFPB is welcome to publish them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A capital one credit card account was opened in my name. I did not open this account, nor did I supervise it. I have called the bank associated with this card, and I am aware of transactions in California that could not possibly relate to me at all. I need this removed off my credit reporting ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America didn't allow my XXXX XXXX account access my banking/checking account information via " XXXX ''. This is illegal, even though XXXX is a third party.

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 2017-04-06
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Mortgage with Nationstar Mortgage loan. I can not get the mortgage company to state why they are not posting the required principle payment in my note and are charging everything on regular payment to interest and only posting addition principle that I am paying toward principle. I have contacted the company several time and can not get them to give me an answer. They first stated that my loan was all interest for the first 10 years which is not true because before the purchased the note from XXXX XXXX I was paying both interest and principle with my payments and I have the original note. These people do not seem to understand or do not want to help resolve the issue. I do not know what to do except file a law suit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Synovus Bank
State: IN
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 called XXXX  and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score

Company response to consumer: Closed with explanation