BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have sent numerous letters asking for validation and have yet to receive proper documentation to validate the alleged accounts. These accounts are hindering my ability to receive a well-deserved promotion in my career. Please provide proper validation or remove the alleged accounts immediately. Thank you!

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 2021-08-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had to complete a split sign to finish up the COVID mortgage relief program and have had the wrong documents sent to me several times over the last 6 months of dealing with this.

They have called me repeatedly, IXXXXhave explained that one person is frequently out of the country for XXXX  work an they have said that it isn't a problem. On another call, they say that it is, that a mobile notary can fix it. The mobile notary never calls me to comfirm. I am just trying to sign so I can continue my loan as usual and Wellsfargo keeps changing how the split sign is to be handled.

The Wells Fargo notary at the bank also failed to disclose this issue and was also in agreement that 2 of the 3 borrowers would suffice ( those 2 are a married couple )

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 2017-07-11
Company: CAVALRY INVESTMENTS, LLC
State: TN
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 disputed 2 collection with the 3 credit bureaus and also sent a debt verification letter to Cavalry. They responded by sending me one statement showing 1 statement for XXXX XXXX, reference # XXXX, but did n't send the original terms I entered into an agreement in XX/XX/XXXX. I specifically asked for the same terms for the other account they are trying to collect on which is XXXX XXXX XXXX  reference # XXXX which I never got a response from after my first debt validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
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:
On XX/XX/2019, we started process with pre-approval with company A 's loan agent. The whole exchange went smoothly with exchanges of information. I was verbally given a pre-approval was ready to go only to find out a month later in XX/XX/XXXX, The loan agent gave my finance information to a mortgage to a broken without my consent, and undesirable terms.

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 2022-02-15
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 fraud alerts or security freezes

Complaint:
Removal of TRANSUNION EXTENDED FRAUD ALERT : TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Earlier this year ( XXXX ), I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!

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 2017-07-12
Company: Pacific Union Financial, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Asked for Loan Modification, Failed to give me the option to reapply for consideration and or other options in a timely manner. Failed to explore other opinions as short sale or deed in lieu of foreclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: BANK OF THE WEST
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:
On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.

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 2022-02-15
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX Santander Consumer USA sent XXXX XXXX out to my home to seize the car .Defendant is an Illinois corporation with its headquarters located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX in the XXXX XXXX of Texas XXXX This case was previously settled in court after I filled a complaint on XX/XX/XXXX see your files,XXXX consumer protection file number - The statute of limitations has expired and Santander is still sending people to my house in an effort to harass me and my son. Please make them stop and take my vehicle off any list of recovery agencies they may have. They are aware of this debt expiration date and still harass me and my son. I wish to take legal action through you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Northern Trust Company, The
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Checking account called " Demand Notes '' by " XXXX XXXX '' XXXX XXXX XXXX. XXXX MI XXXX and their " paying agent '' Northern Trust XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX. 


XXXX XXXX notified me in XX/XX/XXXX that two of my checking accounts would be closed by XXXX, and any remaining balance would be sent by check after that date. I received a check for one account, in the correct amount. The second check I never received. I called by phone, spoke to an Ally representative in XX/XX/XXXX, and was told that Northern Trust Co responsible for distributing the checks had sent many checks that were " lost '' in the mail. From what I could gather, hundreds if not thousands, of postal checks went missing under NTC 's care. 

I thought it would be a simple matter for them to reissue me a check, and put a stop on the " lost '' one, but they refused and told me I had to complete an affidavit, get it notarized and mail it, and then they can issue a replacement check. It would cost me about 1 hour of work, and {$20.00} to pay a notary public, plus postage, just to get this payment that is due. What is bad about this is NTC and XXXX is doing this to possible thousands of people. 

It seems to me really poor behavior, if not outright illegal and non-compliant to regulation, for XXXX and NTC to behave this way against so many customers, many of who will sustain a loss. 

Please investigate how many people had to pay to get their money back from XXXX and NTC. 

I can provide further info.

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 2017-07-12
Company: CCS Financial Services, 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 contacted XXXX via certifed mail on X/XX/17, via telephone and by fax requesting removal of an account in which I attempted to contact a collection agency to request validation of a debt via the reporting address that they had listed as a contact address on my credit report. I sent them a certified letter into the EXACT same address they had listed on my credit report and the letter was returned as undeliverable. I mailed and faxed the copy of a the returned envelope with the return yellow label along with a letter requesting the removal of that account due to my understanding of both federal and state laws of reporting that no entity has the authority to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any non compliant information. The reporting collection agency is clearly reporting inaccurate data because they have provided a false contact address toreach them on my XXXX credit report. I have made multiple calls to XXXX requesting removal of the account and they have still neglected to do so. XXXX is in violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I send a copy of XXXX XXXX, XXXX credit report online today an notice a negative collection account by LVNV FUNDING, LLC., for {$110.00}. I never received any notice from this company about the alleged debt or my right to request validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: ATG Credit, LLC
State: IL
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:
atg is not providing me with a signed by me copy of bill stating i owe this amount a signed copy is needed by atg also a copy of hipaa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I sent a XXXX payment for goods that I thought I was purchasing. The merchant Ferrerjewels and I had been in constant contact in regards to a customized order. I then paid her a deposit thinking it would be secure through XXXX. We were in contact on up until XX/XX/XXXX the merchant stop responding. I have emailed, text, sent her messages with no response. I then called my financial institution chase who basically said sorry your out of luck. We dont help with XXXX  transactions its a one way transaction.I was so confused on how that worked. I spent over 2 hours on the phone with them trying to understand how they took me through so much to send money to an actual contact I was XXXX that I XXXX  on a regular basis, however for this circumstance bc its considered a scam & not fraud its different. They also stated they will put in a claim for scammers but they never recover any money so they just close the case right away because they dont want to give out any false hope was the representative response. I then asked to speak with a supervisor after getting nothing. The supervisor was worse than the agent cutting me off at every other word. Lets just say nothing has been resolved and if you use XXXX, XXXX or cashapp to pay for merchandise and you dont get it youre at a lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion transmitted To me on XX/XX/XXXX my score was XXXX so on XX/XX/XXXX I opened my sealed account to the public and applied for a loan at XXXX XXXX XXXX. On XX/XX/XXXX I recieved a rejection letter stating Transunion 's score was XXXX and denied my appapplication. I have not applied for credit since I purchased my XXXX XXXX in XX/XX/XXXX. My Transunion account had been closed for 3years because damaged my credit status so I kept it closed. 
I called transunion to verify that my score was in fact XXXX a customer rep verified it and said it was even higher now so I opened the account they lied to get me to open the account Thereby exposing me to credit rejection.

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 2020-12-18
Company: EQUIFAX, INC.
State: NJ
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:
XXXX, XXXX, and Equifax still hasn't responded to my disputes. It has been over 60 days. I am heavily stressed and I've had enough of the bureaus taking advantage of me. I've attached the 30 day demand to comply. These accounts has to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-11-28
Company: Experian Information Solutions Inc.
State: CT
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-02-15
Company: Self Financial Inc.
State: MI
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:
Ive filed bankruptcy and discharged back in XX/XX/2020. Self lender along with XXXX major bureaus. XXXX XXXX and XXXX continue to investigate my dispute and come back with verified as accurate. Ive called self who confirms they received notice of bankruptcy and have advised bureaus of information. Im not asking for this inaccurate info be removed as its been inaccurately reporting causing damage to my score and Ive just obtained new auto loan and interest rate was for sure impacted by this negative item. Im requesting this be removed immediately from my report and documents sent to me advising of such removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The XXXX  at XXXX  put me in collection and never notified and told me what it was for. I received this when I moved out about 1.5-2 years ago. Attempted to fix it but havent gotten any information. Many failed attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are some accounts listed on my credit report that do not belong to me. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Over the years since XX/XX/XXXX, I have been trying to resolve the issue of getting behind in payments through loss of income by various methods. My request for loan modification in the earlier years were never approved. Today, Bank of America has  filed a Notice of Default against the HELOC, recorded XX/XX/XXXX. Today I mailed a QWR to XXXX XXXX XXXX XXXX XXXX again. I had sent several QWRs over the years and never received an adequate response. I also have mailed two Rescission Letters and appropriate measures were not taken according to the law regarding the rescission process, therefore the Deeds of Trust and Notes are void.

I have attached the correspondence.

Also, the CA statute of limitations ( CCP 336a ) has passed for any attempts to collect on a note or deed of trust and the alleged servicers continue to attempt to collect an alleged debt, also violating the FDCPA as the alleged debts were never legitimately validated.

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 2022-02-15
Company: OneMain Finance Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company One Main Financial at XXXX XXXX XXXX XXXX, XXXX, AL has repeatedly called for a customer named XXXX. When I received the new number back on XX/XX/XXXX, I received my first called from them a few days after. I informed them that I am the new owner of the number, and that there is no XXXX at this number anymore. The lady who called claimed she will notate the account and remove the number. The calls have not stopped. At least once a week they call for XXXX. I have repeatedly told them that the number XXXX is no longer XXXX 's. In this month of XXXX they have called on the XXXX, XXXX, and XXXX. Its is XX/XX/XXXX as I write this. I keep telling them over and over that this is no longer XXXX 's number. They apparently refused to acknowledge that statement and keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian shows that the inquiries on my Experian credit report will be removed 25 months after the inquiry. However, I thought inquiries stay on your credit report for up to 24 months. 

I continously call Experian on the 2 year anniversary of the inquiry and usually a dispute is opened and the inquiry is removed. 

On XX/XX/XXXX I contacted Experian regarding an inquiry from XX/XX/XXXX and I requested the removal of the inquiry and I was told that inquiries stayed on your credit profile for 25 months. The dispute was not open and the inquiry remains. Please advise.

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