BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our report since we first found out 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. XXXX  XXXX {$6300.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX {$990.00} XXXX XXXXXXXX {$4800.00} XXXX   XXXX XXXX {$400.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX   XXXX {$390.00} XXXX XXXX {$390.00} XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX  XXXX {$710.00} XXXX XXXX {$400.00} XXXX XXXX XXXXXXXX {$31000.00} XXXX  XXXX XXXX {$2200.00} XXXX XXXX {$320.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$15000.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$830.00}

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 2019-09-11
Company: Experian Information Solutions Inc.
State: MD
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:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( Experian and XXXX  ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX.

XXXX did remove it.

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 2020-05-11
Company: Integrity Asset Partners, Ltd.
State: WI
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:
The debt was taken care of with the property management Integrity Asset XXXX of XXXX XXXX Texas in XX/XX/2018 and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by XXXX collection agency. I called XXXX and told that debt was paid and they contacted the company it took XXXX 2 months to update to my information to state I do not owe any money to either Integrity Asset XXXX or XXXX. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a forbearance and ask for a loan modification and have been sending the paperwork to them. I have been sending the same paperwork over and over again for nine weeks and they keep playing with me and asking me to send the documents which Ive already sent the system is designed to tire me out where I will quit and lose my house and I wont be a victim of this. Every time I called the phone hangs up every time I call they they said theyll call me if you dont call me Ive been calling every day three times a day for nine weeks straight this is ridiculous I need some immediate help please. The companies name is SLS Mortage

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 2019-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2019 I opened online a checking account with Bank of America ( routing number is XXXX, and the account number is XXXX ). I did this so some one can easily pay me. On XX/XX/XXXX, I received an unusual letter ( see attached ) from them dated XX/XX/XXXX threatening to close my account on XX/XX/XXXX unless I provide them with my date of birth. The letter had an identification number of XXXX and a control number of XXXX. I called the number on the letter XXXX three times. The first time, the person I spoke with insisted that I answer what seemed like an exhaustive list of questions about my personal identify ( such as my address, last four of my social security number, my phone number and my date of birth ) that I had to answer to her satisfaction or my account would be closed. I provided this information to this person several times but she was not satisfied, so I asked to speak to a Supervisor. I eventually spoke to Supervisor XXXX  in the Know Your Customer center, and he unable to resolve this issue. The second time I called, I spoke to XXXX, provided him the information, he told me I was done and everything was OK. After my call with XXXX  ended, he called me back and said I had to provide it again. I asked to speak to his manager, and he refused because he said all the managers were busy. So I called XXXX a third time, spoke to XXXX, provided her with all my personal identification information, and when she said that I satisfied the demands of the XX/XX/XXXX letter, I asked her for either a confirmation number or an email for proof that I satisfied the letter of XX/XX/XXXX and that my account would not be closed on XX/XX/XXXX. XXXX was unable to provide me with either.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XXXX XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX, and 60 days in XX/XX/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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/XXXX I sent a letter certified return receipt to Transunion to remove inaccurate/ incorrect information in my credit file. My only employer is XXXX XXXX XXXX. I asked that they update it and remove incorrect employers. I have one 1 job. Transunion removed the wrong items after several phones on XX/XX/XXXX and now I've noticed that they have put 2 incorrect employers back in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I filed an insurance claim to have my roof fixed with XXXX the claim was approved and a three party check was issued in the amount of {$20000.00} and some change. The mortgage company is finding arbitrary reasons not to release the check.

The first the pages of the claim did not have the claim number on each page 26 pages were faxed over.

Then a the docs faxed from XXXX was missing a cover sheet.

Next on t

he XXXX box 3 was not filled in. On the XXXX  th
at the contractors the signature was to light then the date on the form was scratched through and corrected to the current date.

Now the version XXXX is not the current year the version the sent us was XX/XX/XXXX and must be XX/XX/XXXX however this is what was provided to us.

I requested a new XXXX to be faxed to me on XX/XX/XXXX I was told by a person named XXXX it could take up to 24 hrs to receive. I have not received it.

I the

XXXX be faxed to the contractor he has not received it. when you send in a for the mortgage claims it takes 24-36 hr
turn around time for them to review the documents.

I need my roof fixed there is no logical reason it should take 4 months to process a claim check.

In the meantime I also requested a loan payoff sheet from SLS twice and have not received that either.

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 2021-02-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a new BMO Harris PremierTM Account in branch with using the following bonus promo code : BMOP-XXXX. I met all the terms effective XXXX, by receiving a cumulative total of more than {$7500.00} ( {$8100.00} to be exact ) in qualifying direct deposits by XX/XX/XXXX ( within 90 days of opening, per the terms ). The terms stated the bonus would be confirmed 90 days after account opening ( XX/XX/XXXX ), but as of XX/XX/XXXX, I had not received a bonus and contacted the bank. Ever since, I have been told it was in process in way or another, and as of XX/XX/XXXX, was told it was being escalated. I again contacted the bank for an update on XX/XX/XXXX and was told they had no updates. It's now been two months past the date by bonus was to be assessed, and I still have not been paid.

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 2019-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Yes cuz somebody of open discount when they were in XXXX I was in XXXX XXXX XXXX XXXX XXXX so somebody had my ID and identity fraud on for that account the date it was opened

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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago an XXXX credit card account showed up on my credit report that I never applied for. 

I have filed several disputes through the credit bureau all of which told me there was 'proof '. I called XXXX several times ( Customer service, Fraud, etc ) and they tell me every time I need to get in with the credit reporting department ( XXXX ) and this menu has zero options that reach an operator. Every single option ends the call with no option to speak to a real person. 

XXXX XXXX refuses to remove this account or even provide proof that the application was mine. Because they have none!!!! 

This company CLEARLY has application verification processes that are too relaxed. This would be ok if they had a robust fraud prevention team, but that is not the case either. INSTEAD, XXXX XXXX doesn't care if someone who applies for their cards is real or fake, and if they're fake XXXX doesn't care to fix it. I guess money is money for them. 

But that doesn't stop them from leaving it on my report and shutting down every dispute I submit through the bureaus. 

This is unfair, my opportunities are being stripped from me, and someone else is profiting off of all of this. 

I need help and XXXX XXXX is failing me for their own gain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was approved for foreclosure sale on XX/XX/XXXX.  Signed by Judge XXXX XXXX on XX/XX/XXXX of the Circuit Court for XXXX XXXX County Maryland. The Order says XXXX XXXX, XXXX, Et Al vs. XXXX XXXX ; Case # XXXX. My house at XXXX XXXX XXXX, XXXX, MD.was sold at at auction on XX/XX/XXXX. Listening to the law firm used XXXX XXXX XXXX, XXXX the advertisement was done before the order. I was told it was legal and other lawyers at Foreclosure hotline say that my house was illegally sold before proper advertising or my notification was done. The mortgage company was Shellpoint Mortgage Services. Also Shellpoint purchased my house at auction before the Order Authorizing Foreclosure sale was issued by the court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSWORLD SYSTEMS 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 information incorrect

Complaint:
Ncc business XXXX florida put unauthorized charges on my credit report listing it as a collections account. I disputed the charge and they wrote me explaining, I needed to sign a notarized affidavit w painting this was an unauthorized charge.

I did that and also provided a copy of my driver 's license via snail mail. Yet, this company has never responded back or removed the debt off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Experian Information Solutions 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:
-XX/XX/2018 a Dispute was open for 3 unverifiable accounts. Within 30 days a response was received as UPDATED and/or VERIFIED. There was no verifiable proof ( an original consumer report with my signature on it ) mailed or emailed to me. 
- XX/XX/2018 a second Dispute was opened where I have requested that the VERIFIED and UPDATED account are sent to me with proof of my signature on the Original Consumer Report. Within 30 days of the dispute A response was received Consumer Disagrees I have yet To receive the original creditors documents with my signature but the account still show on my credit report. 

As for XXXX - The same has happened as stated on XX/XX/2018. 

On XX/XX/2018 a second dispute was opened and I have not heard from XXXX since the Dispute response for XX/XX/2018

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 2020-07-29
Company: Amsher Collection Services, Inc.
State: AL
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:
XXXX XXXX XXXX released protected health information to a collection agency for medical billing. By law this is a HIPPA violation because XXXX XXXX XXXX is not supposed to even acknowledge that I am a patient without explicit and written consent from me. Also the collection agency is in violation of HIPPA because they continue to report it after being asked several times to remove the protected health information. Medical bills are protected health information because the bill acknowledges that I was a patient with them which violates HIPPA. I  did not give consent for this information to be released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: IA
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 REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Original account with XXXX. Was sold defective equipment ( 3 ) consecutive times. Account was sold to Jefferson Capital. In the past year, Ive attempted to settle this account ( 8 ) times. No emails or phone calls returned. The last two phone calls I stated on the recorded line that I wanted to settle this account and was hung up on. Ive attempted to settle but payment was rejected. I have filed ( 3 ) disputes with XXXX  with no assistance. I have no other option on getting this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I am trying to locate a C D and Money Market Account for my decreased mother, and my joint Bank America Account. 
The last statement I received was XX/XX/2007, from Bank Of America on XXXX XXXX and XXXX XXXX. XXXX, Georgia. 

I closed out her checking account with an Bank Of America Account Manager, after her death in 2007, and was not told about the CD or Money Market accounts. I have been going through old statement in my garage, and run across evidence of the CD and Money Market accounts. 
I contacted the local branch that my mother banked with, and was told that the account was too old to track, and was given the State unclaimed phone number. I contacted Unclaimed Property, and was told that if any funds reported they would still have the record. They confirmed no records found. 
Bank Of America have not been able to confirm with me what happened to the account or revenue. 

They have directed me to several Bank Of America Departments, including Estate Operations, and Escheated department, who stated that they have no record of the account being reported to their system, and if the account was closed it would have been procedure for them to have record of it. XXXX Escalated to a supervisor ) no results found. 
I was redirected again to Georgia unclaimed Property Internal Revenue, dor.georgia.gov. that they should have the records. As previously stated when I contacted Georgia Unclaimed Property I was informed that no such accounts have been reported under my Mother 's name, account numbers, social security number or mine and no evidence, of any such account being reported. I am filing this report with your office, looking for a resolution. 

Respectfully Thanks in advance for your 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 2019-09-11
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:
I am a fraud-victim of the XXXX and XXXX Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX  XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. 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 2020-11-05
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me I have attempted to write several letters since XX/XX/2020 to this company, and for some reason my certified return receipt letters would mysteriously disappear and never come back to me confirmed with the United States Post Office . 
I then sent my dispute letter to them on XX/XX/2020 via XXXX. Per XXXX, my dispute letter was received by Credit Bureau Associates on XX/XX/2020 at XXXX and signed by an individual named XXXX . I have attached evidence of this, along with the dispute letter I last sent them in where I requested they attach copies of any agreement with them that grants them the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, or authorization under subtitle D of the ARRA, SEC 13401. Application of security provisions and penalties to business associates of covered entities ; and SEC. 13407 ( 1 ) Breach of Security. By breach of security, I meant in respect to unsecured PHI ( PHR ) and where did I sign a waiver to my HIPPA rights. As of today, they have yet to send me this information. This is damaging my credit worthiness.

Company response to consumer: Closed with explanation