BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently became a successor in interest on this loan. I am now trying to assume the losn as I was awarded the house through the divorce and since my ex husband has recently passed away I am trying to assume the mortgage so that I can be obligated on the note. Rushmore Loan Management has told me over the phone on XX/XX/XXXX and also through secure messaging sent to me in late XXXX that they do not allow Assumptions and they are trying to force me yo refinance. My loan is with XXXX XXXX and I believe that they allow Assumptions under certain conditions. I am a single mom with two kids who now no longer have a dad and I am struggling to ensure that not only we keep our home, but ensure I can sell it if I need too. Please assist me in getting this mortgzge company to allow an assumption. I am currently not behind on my mortgage, but they just raised my payments again in the last year due to an escrow analysis and I would not be able to complete a modification if I cant assume the note. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-03-04
Company: National Recoveries, Inc.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been fighting Student Loan Collection company National Recoveries for years, I have asked for proof of the loan, because I didn't sign for a loan. They have bullied me into making payment to keep from garnishing my wages, and now have sent a garnishment letter. If they garnish my wages, it will cause extreme financial difficulty, as I am caring for a child  and my wife who can not work at this time. We barely make ends meet. I was told to contact you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, US DEPT ED account # XXXX, XXXXDOE account # XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This creditor XXXXXXXX XXXX  is reporting inaccurate information.I reached out to the creditor to rectify the situation but got no response or resolution. I disputed this late payment from XX/XX/2022 with the Credit Reporting Agencies, Transunion, XXXX and XXXX. XXXX has removed the late payment. But Transunion and XXXX has not. I ask that Transunion and XXXX remove the late payment as well. As I was never delinquent on this account. Its set on autopay. Also, the monthly payment date is incorrect on all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: ALLY FINANCIAL INC.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created two accounts ( Checking and savings ) with Ally Bank on Saturday XX/XX/XXXX. On that date I used their mobile deposit process to submit two checks on my XXXX XXXX account. {$2000.00} for the checking account, and {$10000.00} for the savings account. Ally states the checks were posted on the XXXX and came out of my XXXX  account that today. Ally shows the balance in my accounts, but does not show it as an available balance. When I reached out to a customer service rep, I was told there was a hold placed on the checks because they were a large amount. Really? $ XXXX is a large amount? Regardless, the csr told me the funds would be available yesterday. They were not, and are still not. 

I tried to escalate the situation and asked to speak to a supervisor, but received no response. They have had my money since Monday, but for some reason are keeping it unavailable to me. Is it legal to do this? 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 explanation
Consumer complaint received 2023-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I unfortunately last XXXX contracted XXXX. The medicine provided to help my recovery time ended up working negatively with the XXXX, i subsequently got sicker and fell behind on both my mortgage and my Heloc. I was somewhat relieved to find out that there was a program in place for homeowners with these circumstances called MI HAF. 

I went through the application process and was contacted by a case worker who patiently walked me through what was needed as far as documents. One of the documents necessary to pay the Heloc and make it current was a letter from the servicer 5th 3rd bank ( Fifth Third ). I went into the branch on XX/XX/ and requested this document. I also didn't mind closing the Heloc withdrawal function because I was no longer with the person who I opened it with. Now i did specify I wanted it closed to ALL parties, and that I would work on just paying it down or off, but that i did qualify for this program that at least would bring the Heloc current.

That's when I was informed that you can not cancel the withdrawal function on the Heloc. The only way to stop the withdrawal ability was to pay it off or to wait 10 years. 
I reminded all 9 representatives I spoke with over the course of 4 days that again MY property, and I am the only one on my deed, my property is tied to this Heloc and I wanted to close the ability to withdrawal on this product again for all parties myself included and again to no avail.

And it wasn't until the 4th day I found a " Hardship Assistance '' online for 5/3rd, on my own not one of the 9 reps i spoke with pointed me in this direction mind you. And their idea of hardship assistance is simply an email. No instructions, no one to contact, simply an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received letters in the mail from : Spring Oaks Capital , LLC in Virginia trying to collect monies. I have never done business with this company, nor have I ever signed a contract with them. I have been receiving threatening phone calls from XXXX and letters from these people. They now have 2 collections showing on my different credit reports, claiming that I owe them money, which I don't. The 2 banks they are telling me they work for happen to be 2 banks that I have current accounts with, both in good standing, never late on any payments, no issues. I'm XXXX XXXX XXXX and scared that they will ruin my credit or do something worse to my life. I have reported Spring Oaks Capital , LLC to the XXXX, filed a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2019-05-08
Company: Kriya Capital, LLC
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I moved to XXXX as an active XXXX XXXX. I had my XXXX XXXX XXXX phone put on a military hold XX/XX/XXXX at XXXX by person email XXXX account number XXXX, case number XXXX. I made sure to get all the information because this has happened to me when I moved to XXXX in XXXX. I have not been back to the XXXX since XXXX, so I needed the service. This is typical for military members moving overseas. No service member should continually have to pay money for rules and regulations these companies have on their contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: MO
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:
Dear CFPB, I am writing you today because while reviewing my Equifax credit report ( Confirmation # XXXX ), I noticed several unauthorized inquiries being listed by Equifax XXXX. XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX I have attempted to resolve this issue with Equifax, all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased XXXX through PayPal but was unable to transfer the XXXX to my personal wallet. Customer service stated that it was due to a security issue and that ability had been frozen. They were unable to specify why my ability to transfer funds was frozen or deemed a security risk, unable to override the freeze and unable to offer a definite time before transfers would be available. This all occurred today, XX/XX/23 around XXXX XXXX. The inability to transfer my funds is in effect freezing access to the. I was told I would need to wait anywhere from 24-72 hours by various representatives with no assurance that the issue would resolve in these time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hi, Hope you're doing well. I have this XXXX  XXXX  card that I've never used and opened on XX/XX/XXXX. 

On the credit report it says I've been late XXXX and XXXX of XXXX. 

That however, could not be true, as I've never once used the card since I've had it. 

So the reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hi, Hope you're doing well. I have this XXXX XXXX card that I've never used and opened on XX/XX/XXXX. 

On the credit report it says I've been late XXXX and XXXX of XXXX. 

That however, could not be true, as I've never once used the card since I've had it. 

So the reporting is inaccurate.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
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:
I recently discovered that the 3 credit bureaus were reporting a collection account that 1 is Identity Theft and not my account and 2 is reporting a duplicate account. I have already disputed with Experian, XXXX and XXXX and the following has still not been deleted and or corrected by XXXX and Experian. I have attached a copy of my TDL, POA, Credit Reports, ID Theft Report, Letters to Bureaus, Account Name : XXXX XXXX XXXX Acct No : 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 2019-05-08
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is attempting to collect a debt that never existed. I imagine there was an issue with billing. My insurance covered my family and I for all visits and there were no amounts due that exceeded our allowance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I tried to sign up for the REPAYE/SAVE plan with them. They denied my application stating that I needed to provide them with 3 years of income information. This is simply false, there is no reason I should verify my last 3 years of income with them. I have already provided them with proof and verification of my current income via my latest tax returns. 

I have tried calling them, which resulted in busy lines and a notice to try using their website to email them. Upon using their website I received an email saying " We're really busy, try calling us ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00}

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 2022-03-14
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX XXXX aka XXXXXXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Self Financial Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Westlake Services, LLC
State: FL
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 have requested the following information from the company that is claiming to own a debt that I never agreed upon with them as a creditor : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I did have a car loan with HONOR Finance  that was paid as agreed from XX/XX/XXXX - XX/XX/XXXX. Westlake is reporting that I opened an account with them in XXXX of XXXX ( to my Credit Report ) and that there is a date of last activity in XX/XX/XXXX. There has never been any activity with Westlake Financial and an account was not opened with them in XXXX of XXXX. 
The company is stating that a repossession occurred with their organization based on a loan that I agreed to pay with them which is simply not true. The above requested information in regards to said repossession has NOT been provided to me. I have also requested the signed Retail Loan Agreement stating Westlake as my lender.

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