BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this letter today, to inform you of an egregious error that appears on my credit report. Seterus INC is reporting that I have an active mortgage account with their company that is actively past due. The account number this account is listed under is XXXX. 

The Seterus INC ( XXXX ) account was included in a Chapter XXXX bankruptcy that was discharged on XXXX XXXX, XXXX. I am attaching a copy of my bankruptcy discharge letter, as well as section D of the filing documents, which lists the original name this account was under. 

The bankruptcy that resolved Seterus INC XXXX XXXX XXXX has already fallen off of my credit report due to time. This begs me to ask : If the bankruptcy that resolved the account has already been deleted, why is this account still reporting? The discharge of this bankruptcy would make the date of last activity in XXXX, which was eleven years ago ; so I am demanding that Seterus INC ( XXXX ) be removed from my credit file immediately. 

Worst case scenario, if the Seterus INC ( XXXX ) account does remain on my credit report, I would at least ask that accurate information be reported about this account. It should report at resolved through bankruptcy in XXXX, and should report absolutely no delinquent pay history after XXXX of 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 2022-03-10
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I have received a debt letter in the mail. I didn't recognize the debt and emailed the company email that was on the debt letter to dispute and 5 days later the company trying to collect a debt hasn't notify me proof of debt and still contacting me to collect a debt with two text messages. 

XXXX is the email on the debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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:
Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages XXXX XXXX attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXXcredit Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called Transunion and XXXX and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.

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 2020-11-09
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2020, I requested a wired Transfer of {$40000.00} from my Bank in XXXX ( XXXX XXXX ) to be deposit in my bank account that I have with Simple ( BBVA USA ) here in the US. My bank in XXXX confirm that the transfer was completed on their end, to this day XX/XX/2020, I have not received the money. I have called multiple times my bank ( Simple ) regarding this issue and also email them all the information that the Bank in XXXX gave me. Each time I spoke with an agent over the phone, they keep requesting me a 15 digits number so they can trace this fund. But my bank in XXXX did send me a list of all the details they have. For weeks now I have been calling my back in XXXX to make sure the money did not go back into my account, but they told me that no fund came back and to check with my back in the US. I have been late on a lot of my bills and I find myself in a hard situation, I hope to have more clarity about where the fund is. 
My bank is with Simple but the parent company is BBVA USA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions 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:
Some accounts on my credit report are not mine.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 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 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/XXXX, a credit card charge for {$310.00} was posted for an order I made from XXXX. On XX/XX/XXXX, after many attempts to contact the vendor, I still had not received the goods, so I disputed the charge with Bank of America and received a credit for the {$310.00}. On XX/XX/XXXX, I received the parts and contacted Bank of America to cancel the dispute at which time the charge of {$310.00} was replaced on my card. On XX/XX/XXXX, Bank of America charged me {$310.00} on my card. 

I attempted to call Bank of America about such charge and I've been oh hold for over an hour due to being transferred to the wrong dept. multiple times ( XXXX XXXX -> XXXX  -> lady that wouldn't give me her name that said she was going to transfer me to a specialized dept. but then just put me on hold and didn't say anything ). At the time of writing this complaint, I have been on the phone for 1 hour and 15 minutes. An investigation into their practices needs to be completed as they should have the controls in place to ensure this type of fraud by the bank doesn't occur. How many others have been wrongfully charged?

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 monetary relief
Consumer complaint received 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have called in a few times about the correct, true, and compliant reporting according to FCRA by way of credit bureaus receiving data by XXXX through XXXX XXXX compliance. Every company sending data by XXXX must be compliant by XXXX XXXX standards. I spoke with a few foreign reps for Transunion, who had no clue of what this was, then asked to be transferred to a representative in the XXXX. I get a smug guy. He admits he knows what this means but has no clue how any of the " so-called '' creditors or collection agencies actually do their verification to solidify that any account is the consumer 's account. Being that he admitted this, I asked him to please send our conversation transcript to a supervisor. He asked me to hold on and I did. About 5 minutes later, the phone hangs up. This was my second time calling in the past week. I 've been actually sending them letters because I have a few accounts that I " challenge '' the validity of by way of XXXX XXXX compliance. These " so-called '' companies are NOT at all true and correct in reporting by simply sending the words " Unspecific dispute but verified ''. My challenge letters were very SPECIFIC and are attached. Trans Union and these companies keep playing volleyball with my credit as the ball, making me the net, and and have no clue as to how these companies have verified anything which is against FCRA. Under FCRA XXXX XXXX XXXX, every single one even each and any and all of the unproven not compliant, untrue, incomplete, incorrect, and/or unverified aspects of any alleged derogatory accounts must be promptly annulled in its entirety or even the whole of the claimed accounts are to be deleted. I have been dealing with this since XXXX with Transunion and these non-compliant companies. I am very disappointed because I am in the process of using my XXXX home loan benefit to acquire a home for my family. I ca n't do so with such non-compliance. Every American should be appalled, upset, and angry at such non-compliance and abuse of power.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: WA
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:
Unauthorized inquiries that I notice on my report. Contacted company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2016 I was approved for a personal loan with NetCredit. I was unaware of the future circumstances and took out a very high interest loan, 99 % interest on a {$2000.00}. I have become a XXXX veteran and unemployed at the moment due to my condition. The total amount that I will be paying back on a {$2000.00} loan is {$7800.00}. I have been paying on this loan since that date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX, DE XXXX Hard inquiry - I did not Authorize XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Our business checking account with Suntrust / Truist had 43 fraudulent checks processed on our account totaling around {$37000.00} back in XXXX of 2021. Someone falsified our checks and did mobile deposits into their account. Suntrust is denying the clams for no reason. We have spend hundreds of hours talking with Suntrust and no one can help us. 

The falsified checks are not even signed and Suntrust still processed the withdrawal.

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 2017-12-27
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: Investigation took more than 30 days

Complaint:
I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XXXX XXXX as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since XXXX and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im a victim of identity theft! I sent in a police to Equifax and XXXX!! Explaining this! The account from XXXX XXXX XXXX does not belong to me. 
XXXX XXXX XXXX XXXX does not belong to me!! I live in a dorm room with a college Scholarship

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, 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:
My personal profile account with the CRA shows in-accurate accounts posted to my profile which are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I would like to be contacted via email, phone call, or my P.O. Box. Chase Bank credited me in XX/XX/2021 for {$390.00} and some change. The case was closed after I provided evidence that could not be disputed. This Merchant has made mistakes before and the cancellation policy has NOT prevented me from being credited before because the liability was on the Merchant. Two weeks ago in XX/XX/2021 Chase Bank unlawful took {$390.00} and some change out of my bank account. I want Someone federally prosecuted for reopening this case without calling me and emailing me proof and taken {$390.00} and some change out of my bank account. People are obsessing over my private belongings and need to be arrested immediately without excuses. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I submitted a request to opt of LexisNexis reporting via the online opt-out form XXXX XXXX XXXX. As of XX/XX/XXXX I have not received confirmation that my request has been processed. It has been 41 days since the request was submitted, well over the 30 day SLA promised by LexisNexis. See attached photo showing confirmation that my request was received by LexisNexis on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I fully expect Bayview to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against Bayview. Well, I have read many other CFPB complaints against Bayview and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by BAYVIEW does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at BAYVIEW? When is the CFPB going to hold BAYVIEW accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME! 


Short Sale was started XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX we were countered to XXXX. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we submitted a Contractors Bid, photos, and market comps in response to the counter offer. 


On XXXX/XXXX/XXXX the appraiser revised his appraisal to $ XXXX. 

On XXXX/XXXX/XXXX we submitted a revised offer of $ XXXX On XXXX we were told by XXXX XXXX the file was denied based on " fair market value '' of XXXX, and the minimum net needed to be 83 % of this fair market value. ( Which our XXXX offer does meet this minimum net. ) XXXX XXXX LIED about the value of this property ON A RECORDED LINE. 


WHAT HAPPENED to the revised appraisal? 

WHY are we being denied even though our offer does meet their minimum net? ( our offer is actually much higher than their minimum net. ) This is the 2nd Time XXXX XXXX has XXXX up on this file regarding values. Her mistakes are causing significant delays. ( which is harming their investor, our community, and the estate that has taken over this property.. values in XXXX XXXX have been dropping for the last three months. ). It is obvious she is overworked - and that means BAYVIEW does not have appropriate number of staffing to be able to service their files according the servicing guidelines set forth by the CFPB. 



I want Bayview held accountable for the lack of staffing needed to do their job-for which they get paid of servicing their files. Bayview has no interest in following the laws and guidelines set forth by the CFPB. They dont care how their files are handled they only want to put forth the least amount of effort into fulfilling their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP

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 2017-11-02
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: Account status incorrect

Complaint:
There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP

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 2022-03-10
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2022-03-10
Company: EQUIFAX, 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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation