BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have previously sent a letter to the lender and servicer along with attached proof and documents which indicate that the Assignment and transfer document recorded in XX/XX/2009 was fraudulent executed by XXXX XXXX. In addition, in XX/XX/2009 an affidavit was executed by XXXX XXXX that appears to also be fraudulent and in addition, XXXX XXXX claims to have knowledge of the complete loan and information and warrants it to be correct as presented for a XXXX foreclosure application. I have repeatedly requested validation of standing and legal chain of title given these two documents. Bank of America fails to ANSWER the very direct question if the documents were signed fraudulently by people who did not have authority to execute them as represented in the documents. In short - are the documents fraudulently executed? I am providing copies of the Transfer and Assignment document, the affidavit, and documents which show prior depositions and records of robo signing in lawsuits across the country. Were the documents executed in fraud? 

Prior responses refused to directly answer the question but instead manipulated the question into arguments that the foreclosure court had answered the question or that a quiet title suit filed and dismissed settled the issue. Please note that the court did not have the information on the fraudulent documents in the XX/XX/2009 foreclosure hearing and therefore did not review the fraud issue and in the quiet title suit that was dismissed the issued was not addressed because the lender and servicer transferred and assigned the loan during the middle of filed litigation without notifying the owner and the attorney representing BOA. BOA had failed to answer and address the quiet title issued during the 90 day period of time and were arguing against a filed judgment motion. AGAIN, I am requesting a direct answer as to the legal authority of both the representative that signed the documents and weather the documents are fraudulently executed.

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 2020-05-06
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT AUTHORIZE YOUR COMPANY TO RUN MY CREDIT ON XXXX XXXX.2017

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 2019-04-08
Company: Continental Finance Company, LLC
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: Account status incorrect

Complaint:
Continential finance is reporting my credit card as being over 30 days late, however when called and spoke with the supervisor they admitted that it was never over 30 days late.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite 5 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( XXXX ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2017-07-31
Company: NCC Business Services, Inc.
State: AZ
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: Information is incorrect

Complaint:
We had sent a request for hardship to the district office that we were under the understanding was approved. We had a daughter that went through XXXX to save her XXXX. It was a time we had to move back in with family immediately. The company did not say or send us any documentation showing we had outstanding debt as the location was rented right away by a couple we sent in to the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I disputed a ch XXXX  bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. XXXX had 30 days to do so upon request in the dispute XXXX   removed the public record because they could not verify the accuracy of the information. As ofXX/XX/XXXX there weas no record of the bankruptcy on my credit file. As ofXX/XX/XXXX the information has / reinserted/reappeared on my XXXX credit report stating Lexis Nexis is the furnisher of the public record 3rd party vendor of the public record and not the court. I called XXXX   XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy was XX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy was XX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding XXXX did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: CA
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:
shows multiple credit inquries on my credit report which I don't know nothing about. and I tried disputing multiple times but no help. and my there 2 account in collection one in XXXX and 2nd XXXX XXXX XXXX XXXX i didn't open these account or had any knowledge about these account these are fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
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 believe, because I often may be living or visiting abroad for extended stays out of the country this has made me an easy target for identity thieves here in the U.S.. It was just a week ago or so that I discovered that there was a credit card and auto loan previously unauthorized by me taken out in my name. This include a XXXX XXXX credit card and an auto loan with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: Factor Trust
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted the 3rd party Factor Trust an requested my files frozen XX/XX/18 due to identity theft by fax, I also sent a copy of my lease & drivers license as I did all companies on the same day. the fax was received confirmation # XXXX. I received a letter from Factor Trust requesting another copy of my id & social security number. I sent required documents that where accepted on there website. However they still have not froze my files. Which contain inaccurate information, this is a 3rd party & they do not have authorization to share my information. I am requesting this security freeze asap. For this has caused me multiple denials due to the inaccurate reporting they are providing,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: AES/PHEAA
State: WI
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:
Account was in deferment but fed loan serving reported it past due and after reporting it past due changed the loan to current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX XXXX XXXX. I attempted to transfer because the school lied to me and stole from me. I have tried to get answers since I enrolled but have yet to get anything beneficial for me. I was XXXX during this time as well, so I am also trying to catch up on these issues.I want to finish school and be successful. I need help getting all the information that you may have for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX/XXXX/XXXX - letter sent to Lease company - XXXX  XXXX - about identity theft - XXXX -  XXXX delivered : XXXX/XXXX/XXXX ( attached ) - {$47000.00} XXXX/XXXX/XXXX - Letter received from XXXX  XXXX Fraud Department - form needs to be filled XXXX/XXXX/XXXX - letter ( requested form ) sent to Lease company - XXXX XXXX - ( USPS tracking no : XXXX ) - delivered on XXXX/XXXX/XXXX - FTC 's identitytheft.com law enforcement report included - notarized, as requested ( attached ) XXXX/XXXX/XXXX - letter received from Lease company - FTC 's identity theft - FTC 's report is not sufficient, they need a letter from New Jersey Police - that they are investigating the case XXXX/XXXX/XXXX - reported in New Jersey Police Department the Identity Theft, confirmation issued ( attached ) XXXX/XXXX/XXXX - Police statement sent to XXXX  XXXX ( attached ). They said that they need detailed investigation report from police and until they receive that I am still responsible for a car lease what I never signed ( I was not even in the country ). 

XXXX/XXXX/XXXX - email sent to XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX, XXXX the Attorney General is not authorized to release criminal reports to noncriminal justice agencies. 

So basically XXXX XXXX is ruining my credit score ( e.g. XXXX ) as have put a default on my credit profile as they keep requesting a document what is impossible to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: WI
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  should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am currently fighting a court case in VA with Land Or Timeshare. The court date is onXX/XX/XXXXwhich a month away. Some paperwork was sent from VA from a court clerk with the court date of XX/XX/XXXX to Chase bank requesting to hold XXXX, Chase froze XXXX from both my checking and saving plus a hold of XXXX dollars which they could not explain what that was for when I went to the bank on XX/XX/XXXX. Prior to going to the bank I spoke to a representative from the court orders and levies department explaining to this gentleman that in the state of Texas, a creditor can not garnish anyone 's account unless its a federal garnishment, for example child support, taxes, student loans etc. I also asked if the legal department was contacted about this matter. According to the chase rep, he did have to confer with the legal dept and chase had to honor the garnishment because they did business in VA. I 'm not sure if this company makes its own laws. This is the second time they put a hold on my account. the first time my husband deposited a check for XXXX dollars from his business account which was also with Chase they put a hold on my account even though my husband and I was at the bank together at the time of the deposit, at the teller together. They also called my husband while we were still at the bank and he verified that he made the deposit. Myself and my family wants nothing more to do with this company, just release my money. my husband has no problem taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX at XXXX XXXX XXXX I called TransUnion about a dispute that I sent to them certified mail on XX/XX/XXXX. The representative said to me that the only documented information about the dispute of this collection, " XXXX XXXX XXXX '' was the documents sent to them from CFPB and verification from them on XX/XX/2022. I asked the representative directly does she see the certified mail sent out. TransUnion did not respond within 5 business day that they were putting the Collection company on investigation. I sent in the certified mail a letter stating that " XXXX XXXX XXXX  '' was not bonded in the State of Texas to collect any collections. I also sent in that letter the other Collection company " XXXX XXXX XXXX '' this is the company they used to try and send me collections information which I never received. XXXX XXXX XXXX also is not bonded by the State of Texas to collect any collections. I submitted documentation from the State of Texas Secretary of State showing proof, which I will attach. I the representative to look twice to see if they received the certified mail and she said they have not. This is a blant disregard for looking at the investigation for this collection.

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 2019-04-08
Company: EQUIFAX, INC.
State: TN
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: NY
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 4 accounts showing on my credit report that are not mine, I believe I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
both trans union and XXXX  block me from their web sites to file complaints and will not allow me to login to check results of disputes and refuse to correct info and balances

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, and I am submitting complaint this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX. XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX. XXXX XXXX Inquired on XX/XX/2021 XXXX. XXXX XXXX  XXXX Inquired on XX/XX/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 2018-12-07
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:
I wrote to XXXX  and XXXX Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX  with a balance of XXXX. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of (2) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.

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