BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
My complaint involves all 3 credit Bureaus but especially XXXX who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the XXXX Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... 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 2020-07-20
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
RMS -- - LN XXXX -- - Loan Skey : XXXX -- - XXXX XXXX XXXX XXXX, XXXX CA XXXX -- -- XXXX XXXX -- -- -- We are having no end of trouble getting accurate and timely communication and information on a short sale. We previously had to file a CFPB complaint Case #  XXXX in order to get an interior appraisal done, as required by the investor. That appraisal was completed on XX/XX/XXXX. I have called three times to ask what the value came in at, and to get a current counter offer. Each time I was told that we must produce a demand in writing to find out what the value is, and that our SPOC XXXX XXXX would be in contact to discuss. The last time we were told this was on XX/XX/XXXX, and I also left a voicemail for her. We have not had a response, and this violated servicing guidelines for this investor. 

The appraised value of the property is intrinsic to the process of a short sale and of an urgent nature as that is how approval or denial is in part decided. By withholding this information arbitrarily and refusing to communicate with us as the authorized 3rd party, RMS is violating CA 580e which requires prompt and clear communication in all processes of any loss mitigation effort. In addition, the representative that I was able to speak with on XX/XX/XXXX named XXXX told me to calm down when I in no way had raised my voice. Insisting that a servicer abide by all applicable law, state and federal, is not a reason to be condescending and combative. 

I would like the SPOC to contact me within 48 hours to discuss this short sale, its value and resolution to the issues along with their direct contact information.

Attached is our Third Party Authorization and a copy of the previous CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive regular notifications that I owe XXXX XXXX ( creditor ) {$470.00} via Resurgent ( collection agency ) to LVNV Funding ( current owner ). I have been a long-time XXXX XXXX customer, don't recall an outstanding debt, was never contacted by XXXX XXXX about the debt... they know where to find me, and have checked with XXXX XXXX about it. My sense is this is a collections scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Love, Beal & Nixon, P.C.
State: OK
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:
Company Love Beal and Nixon : Put a hold on our bank account and said they will take out what's in there. 

We owe them {$3300.00}. Our balance is roughly {$1800.00} ... .that is what we are using to pay our bills and survive. If they take XXXX then we have no money to live on ( family of XXXX -- -XXXX kids, wife and me ). I setup auto payment few weeks ago ... so not sure what the problem is. They could have called and try to get the money that way instead of threatening. A judgement an year ago was already passed that i need to pay them. I have been paying until last few months, when my budget was tied. Got a new job and setup auto payment right away. 
Please assist with this matter. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Axos Bank. As a result of COVID19 and mandatory order to stay home, I am unable to generate income and asked the bank to provide me with a mortgage forbearance for six month. I made this request in XXXX and was provided one month forbearance for the month of XXXX. I repeatedly asked them to extend the period and via email was told to look into refinance, the CARES ACT does not apply to them and ignored me. I also noticed today my FICO was dropped by 60 70 point by XXXX. 

I told them issue is that Im unable to generate income as a result of uncontrolled mandatory requirement by government to stay home. Im unable to make income and they are asking me to refinance. 

I have sent them numerous emails and yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On multiple occasions ( 4 to 6 times ), both my wife and I have been unable to get copies of our credit reports from Equifax through the website XXXX. After entering our information and answering the security questions, the process always fails with a generic error message " unable to give a credit report at this time. '' We have then restarted the process and then have successfully received credit reports ( through XXXX ) from XXXX  and XXXX. 

But on multiple times and with 2 different individuals ( for my wife, and separately for me ), we have been unable to receive a credit report from Equifax through XXXX, and then have been able to successfully receive credit reports through either XXXX  or XXXX. 

The most recent occasion that this failed was on XX/XX/2020 ( for both me and my wife ), I commented on this problem via feedback at XXXX. They sent me letter indicating I should contact the credit reporting company directly with any difficulties securing a credit report. 

I contacted Equifax by phone and they agreed to send me a copy of my credit report by mail and they would investigate the problem I had. The agent I spoke with had a noticeable accent and there was significant office noise in the background, and the agent had difficulty hearing/understanding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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: Information belongs to someone else

Complaint:
MY INFORMATION WAS USED WITHOUT MY KNOWLEDGE AND CONSENT SOMONE STOLE IDENTITY AND OPEN SEVERAL FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs.   On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-23
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello my name is XXXX XXXX and I was currently a home owner of my house in XXXX XXXX XXXX XXXX XXXX fl XXXX. I was on a mortgage with XXXX XXXX and they sold to a company called RUSH MOORE I was giving my payments every month and apparently they didnt receive the payments but I have proof of the payments as well as my bank is doing an investigation and found an off shore account, please help up investigate the company and ask them to reopen cases to stop the sale of the home that they are trying to sell now. 
We been living in a hotel for 9 months with no one to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Avant Credit Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Credit Card Company Has Recently been asking for my Full Date of Birth ... .. No Other Cards Do This ... When I try & get info. on my account ... I explained.. my concern.. was told, I should go online to check my acct.. info ... or give Date of Birth .. Asked for Manager.. was Disconnected .. 

Called back.. was told " Even a Manager Will Ask for Date of Birth '' ... This seems Like Too much info ... 
last 4 social address phone credit card # Never Asked for DOB .... Can u explain if they are in violation.. of my privacy rights ... 

AVANT credit card ... 

XXXX XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: NAVY FEDERAL CREDIT UNION
State: KY
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:
Between last year of XX/XX/XXXX my identity was stolen. Any account opened since then is a fraudulent account. XX/XX/XXXX to now of this year XXXX I have had multiple accounts opened under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX-XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: JPMORGAN CHASE & CO.
State: CO
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:
I was visiting my mother in Arkansas ( from XX/XX/XXXX - XX/XX/XXXX ) when I received an email from XXXX saying I had purchased tickets to the XXXX XXXX XXXX XXXX XXXX basketball game in XXXX on XX/XX/XXXX. I was still in Arkansas for that game, so I would not have purchased those tickets and immediately called Chase and disputed the claim. The claim was for {$570.00} Chase took care of it and I saw the charge drop off my account within a couple days. They canceled that credit card number and sent me a new one. 

In that time of waiting for a new card, another fraudulent charge was attempted on my XXXX account for the next XXXX XXXX XXXX XXXX XXXX basketball game in XXXX ( amount was {$870.00} ), but it was declined because the credit card number had been changed. I have both order numbers for both ticket purchases. I then looked futher into my account and noticed that my address had been changed to somewhere in XXXX XXXX. So the criminals had even changed my account address! This would end up not being enough proof for Chase. 

Then on XX/XX/XXXX, I noticed that the original XXXX purchase had re-appeared on my credit card account. I waited a few days to make sure it stayed on the account and it did, so I called Chase to inquire why this charge had returned. They said they had reviewed my dispute claim and decided that I had indeed made the purchase because it came from my credit card and my name and email address were the same. I told Chase that the criminals had attempted a second purchase but it had been declined due to Chase sending me a new card. They said I would need to provide proof from within my XXXX account. I immediately sent them screenshots of the fraudulent charges on my XXXX account, including the address change, even circling in red where the issues occurred. 

Two days later, so now XX/XX/XXXX, I received a letter from Chase saying they have concluded their review and have found the transaction valid. Case closed, apparently. 

To recap, I was not in the same state for a basketball game for which I purchased tickets. A second fraudulent basketball game ticket charge was attempted AFTER receiving a new credit card from Chase only for it to be declined, along with a fraudulent address change on the XXXX account, were all not enough evidence for Chase to believe I had not made these ticket purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: SYNCHRONY FINANCIAL
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I took out a loan in XX/XX/2015 with XXXX/Synchrony Bank, I set up auto payments for the loan for the XX/XX/XXXX of each month. Now that the loan is almost done I get informed that almost every payment ( 33 ) total were late because the bank did not get them until the XX/XX/XXXX and late fees were assessed. 

When I called to ask if the loan was paid in full so I can get the title, I was told that the pay off is {$1500.00} all late fees. I have never dealt with a bank that didn't have a grace period but was told by customer service rep that " If I would have read the contract and paid more attention to the monthly statements I would have known '', and it is not their responsibility to let borrowers know they are delinquent. 

I believe this practice is wrong and I have been unfairly charged along with anyone else dealing with this bank.

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 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/2020 Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED Re :  Request for auto loan relief due to COVID-19 ( coronavirus ) pandemic Account number : XXXX To Capital One Auto Finance, On XX/XX/2020, the World Health Organization designated COVID-19 as a pandemic. In a short period, in the US, over 6,223 cases and over 100 deaths have been reported. 
Many companies and schools have closed due to COVID-19 cases or exposures.

I have suffered a substantial loss of income related to COVID-19. Unfortunately, my loss of income will negatively affect my ability to timely pay my car payment in full. Please let me know if you will waive late fees and accept partial auto loan payments. 

I understand that your temporary acceptance does not waive your rights or remedies. Please know that I will not be able to make XX/XX/XXXX payment of {$570.00}, which includes late fees of {$140.00}. Please refrain from any negative credit reporting during this limited hardship period. It is my hope that I am able to supplement my income to get my payments current. In light of this, please do not proceed in any repossession actions due to any default. 

Thank you in advance for your attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXX XXXX XXXX .... Balance : {$700.00} XXXX XXXXXXXX .... XXXX : {$530.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$1500.00} XXXX  XXXX .... Balance : {$1600.00} TXXXX XXXX XXXX XXXX  XXXX XXXX .... Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX .... Balance : {$5500.00} XXXX  XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} XXXX & XXXX XXXX XXXX .... Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX  XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-12-15
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IC System Inc is reporting a collection account for XXXX. They show on the credit report that the account opened in XXXX of XXXX. This is inaccurate and misleading. Any account I had with XXXX would have to have been years and years ago not 2 months ago. IC System Inc is re-aging the account which is a violation of FCRA Section 605 ( c ).

IC System never attempted to validate this debt before reporting it. I disagree that I owe anything. They have never made any contact with me and I have lived at same address for 8 years. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )

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 2023-05-29
Company: National Credit Adjusters, LLC
State: MD
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:
Upon a routine check of my credit report I found this account with NCA, for a XXXX XXXX payday Loan. Not only do I think this is not my debt, it should also not be on my credit report. Neither XXXX XXXX nor NCA put this on my credit bureau when it was allegedly opened, but never followed the normal collection cycle. Had I seen this earlier it would have been disputed earlier. They put this on my credit for one reason only, to force me to pay a disputed debt. This is " weaponization '' at its worst! No company should be able to put an account on a XXXX without following the entire cycle of originations thru charge off!

Company response to consumer: Closed with explanation