BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX   DID NOT GIVE PROPER FORECLOSURE NOTICE, WO N'T TELL US WHY OUR ACCT BALANCE INCREASED {$37000.00} ONCE THEY PURCHASED OUR LOAN FROM   XXXX   XXXX    XXXX  ; THEY DENIED LOAN MODIFICATIONS BASED ON INCOME THAT THEY ENTER FOR US ( WOULD N'T LET US DISPUTE THE INACCURATE INCOME THAT THEY SUBMITTED )  XX/XX/XXXX   XXXX   XXXX   XXXX  sold our loan to   XXXX   XXXX  .   XX/XX/XXXX    XXXX  n ot   XXXX   XXXX   sen t statement of debt pursuant to NC GS 45-21.16 ( c ) ( 5a  ).  XX/XX/XXXX   XXXX  served us foreclosure paperwork w/   XXXX    as Note Holder.  XX/XX/XXXX  :  XXXX  canceled the f/c hearing.  XX/XX/XXXX  :   XXXX   XXXX   served us : Rescheduled Hearing Noti ce w/ New Cr editor in section 10 as   XXXX   XXXX   . To this d ay   XXXX   XXXX   has  not sent us a statement of debt pursuant to NCG S 45-21.16 (   c ) ( 5a ). They also will not tell us why the 1st monthly statement they sent us reflects amt due of {$120000.00 } (   XX/XX/XXXX  ) while the last statement that  XXXX  sent us reflects amt due of {$84000.0 0} (  {$37000.00} difference w/ in 30 day time pd ). They also denied loan modifications due to inaccurate income that THEY reported in error. We tried on several occasions to let them know it was wrong and tried to give them the accurate income info. They would NOT call or email us ba ck.    XXXX   XXXX   bought our loan as of  XX/XX/XXXX . Per the Prom Note, #  XXXX , they are obligated to keep all promises made in the Note. We modified our loan  XX/XX/XXXX . Per the  DOT, para.  XXXX , we have the right to Reinstate.  XX/XX/XXXX  we received reinstate calc. good thru   XX/XX/XXXX . W e pd in full reinstate amt {$32000.00} on  XXXX .  XXXX  we recd Nonpymt notice on  XX/XX/XXXX  we  were served foreclosure on  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss. We have been unable to   make our monthly pymts because the bank continues to keep us in foreclosure.   XXXX   XXXX   bought our loan from  XXXX   XXXX   XXXX  knowing that it was in litigation & that we have been disputing this erroneous foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Innovis
State: OH
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:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft

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 2016-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted Equifax to dispute a collection item listed on my credit from XXXX XXXX XXXX XXXX. Equifax clearly has not validated this item with XXXX XXXX XXXX XXXX who has not provide me with any documentation showing that I was supposedly admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I called and spoke with representative from XXXX XXXX XXXX today XXXX/XXXX/XXXX who advice me that it is not XXXX XXXX XXXX responsibility or job to validate debt. Representative informed me it is the responsibility of Equifax to investigate item and determine whether or not debt reporting is accurate. I would appreciate if Equifax would do their job properly to truly investigate this item thoroughly. Neither Equifax or XXXX XXXX XXXX have mail to me any documentation to validate this debt. The representatives from XXXX XXXX know that Equifax or other collection agencies are not going to make them validate item and just wait out the 30 or 60 days required by Federal law to investigate disputes such as mine or just tell Equifax the item is valid if they just simply verify my social security number and/or address without providing any additional documentation to validate debit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for WFDS to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

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 2022-08-25
Company: Spring Equity LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I opened a HELOC with SpringEQ on XX/XX/2022. During the application process, they said that the cost of my appraisal had increased {$290.00}, from the {$580.00} original estimate to {$870.00}. I called SpringEQ and spoke to a Sales Manager, XXXX XXXX, and he verbally agreed that SpringEQ would split the cost of the increased appraisal cost and he took my payment information to collect the additional {$140.00}, which was in addition to the {$580.00} previously collected. Upon closing, SpringEQ did not provide a credit for the {$140.00} that they agreed to pay and instead deducted that amount from the proceeds of my initial draw. Despite numerous attempts to resolve this with SpringEQ, they are no longer responding to my emails.

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 2022-04-13
Company: EQUIFAX, INC.
State: GA
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:
I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED XXXX REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY EQUIFAX AND XXXX. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Alliance One, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AllianceONE claims I owe them money, I do not. I do not have any agreement or contract with this company. AllianceONE claims they are collecting for XXXX XXXX XXXX. I requested ownership of such debt, but they have not proven ownership of said debt. 

AllianceOne is not registered to transact business and/or collect in my state under statue NRS.649.075.

Proof of your authorization by law for your collection under statue NRS.649.054, NRS.649.056 , NRS.649.171 Pursuant to NRS.649.370, any violation of the FDCPA is also a violation of Nevada debt collection law .

AllianceOne failed to provide the complete and proper documentation that I have requested multiple times AS REQURIED BY LAW UNDER Fair Debt Collection Practices Act,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2020-03-30
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
XXXX 2020 I have called several times to get access to my report, i have also mailed in disputes from other reports from other sites. I mailed my identification and i still have not gotten access to my reports online via their Direct websites. I am also unable to dispute items because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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: Investigation took more than 30 days

Complaint:
Date : XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX Amount :  {$11000.00} Disputed account on credit report twice and asked for original signed consumer contract on file for the account along with the process that was used to verify information. I never received anything.

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 2022-04-13
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
In 2019 my Vehicle was impounded. The creditor was informed that I could not afford to get vehicle out of impound. Im not sure what happened to vehicle after this. There was no letter sent stating car was auctioned or a decrease in money owed on credit report. Its been 3 years since having the vehicle in my possession. 
Credit Acceptance still reports the original balance and report late payment every month

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 2016-01-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On Saturday XXXX XXXX, XXXX, my wife called Wells Fargo, our mortgage lender to stop an automatic payment scheduled to process on XXXX XXXX, XXXX. The reason for our request was because my wife gave birth to our XXXX child in XX/XX/XXXX, and she 's had some difficulty with her XXXX disbursements. In order to ensure access to funds so that we could care for our XXXX children, my wife contacted Wells Fargo. The representative did not tell my wife there was a possibility the payment would process as initially scheduled, but instead confirmed the request was processed and told my wife to call back at a later date to schedule the XXXX XXXX payment. Therefore, we did not make any alternative arrangements. 
Unbeknownst to us, without our authorization, and contrary to Wells Fargo 's XXXX XXXX, XXXX, verbal confirmation, the payment posted on XXXX XXXX, XXXX, resulting in our overdrawn deposit account, with no access to funds until Wells Fargo 's reversal is applied to our account ( 2-3 business days ). In addition to the reversal, XXXX, a supervisor I spoke with on XXXX XXXX, XXXX, indicated they would reimburse any transaction fees assessed due to their failure to disclose that the payment could still process. I requested compensation for the inconvenience, and I later realized that I used the incorrect term, as I now contend that Wells Fargo processed an unauthorized transaction after my wife requested to stop the ACH scheduled to process on XXXX XXXX, XXXX. Wells Fargo did not request any documentation from us, and as stated above, did not inform us there was no guarantee the transaction would not process. 
One other concern I have regarding this matter is the actual date that Wells Fargo initiated the ACH. According to their explanation, electronic transfers and ACHs take between 2-3 business days to post. If the ACH was initiated on XXXX XXXX, XXXX, how did the payment clear on XXXX XXXX, XXXX? This leads me to believe that the ACH process began on Monday, XXXX XXXX rather than XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CORELOGIC INC
State: OH
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:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXXXXXX

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 2022-09-08
Company: Convergent Resources, Inc.
State: GA
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2016-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX Judgements on my Equifax report. XXXX and XXXX already investigated and deleted months ago. Equifax claims to have completed and verified the investigation however, I have documentation from the courts these cases have been dismissed and or vacated. I have sent this documentation to equifax on more than one occasion and they refuse to properly investigate. I have also sent a letter from the courts stating they do not and have never reported any information to any of the credit bureaus. Equifax is getting their information from somewhere else. I want this resolved as well as reported to the FTC in regards to Equifax not investigating and refusing to remove items that were not ever reported to them by the courts. I want them to pay fees for breaking federal laws and false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX I am currently XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, 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 2022-09-08
Company: National Credit Systems,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: Information belongs to someone else

Complaint:
Hi I have a complaint it must be an error but I dont have no knowledge or information about an account. I have had an identity theft in the past and This is not my account I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX Date:XX/XX/XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX  XXXX  Date:XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : : {$75000.00} Account Name : XXXX XXXX XXXX  XXXX   Date:XX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX  XXXX   Date:XX/XX/XXXX Amount : {$25000.00}

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 2015-05-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax credit reporting agency for years has ignored repeated attempts by me and the state of louisiana department of revenue to remove the following state tax lien which clearly does not belong to me ref # XXXX which the state of louisiana as stated multiple times it does not belong to me and it is up to the XXXX credit reporting agencies to remove this otem immediately also XXXX unauthorized inquiries which should be removed as well as an account with XXXX account number XXXX phone # XXXX which this company has also asked XXXX reporting agencies to remove. This is not fair to me and i want them to correct this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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: Information belongs to someone else

Complaint:
The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX USA 3. XXXX XXXX XXXX  USA

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 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I started using Bank Of America Travel card because their travel rewards program on XX/XX/2019. According to their rules and stated on advertisements, you earn double points when you book travel at Bank of America Travel center. I purchased an XXXX XXXX ticket on XX/XX/2019 on the Bank of America Travel center website and they never credited the rewards. ( see attached receipt ) .They credited the normal charge rewards as if i had purchased anything and outside the Travel Center as if I had purchased food or anything not at Travel center. I called in XXXX, then twice in XXXX, every time I was on the phone for an hour or more ( see attached ). I provided copies of THEIR website confirming the purchase, and emailed documents as requested by them. Every time they say they will credit the rewards in 7 to 10 days. This I believe is a fraudulent practice basically getting customers to get tired of calling. I wonder how many victims of this Bank of America fraud are there, but certainly something very wrong is going with this rewards program. They asked for documents of their own website and their credit card and I have provided three times. It is not a lot of money in cash value of XXXX points, about {$58.00} but certainly is theft by Bank of America. Probably they have been stealing millions from other customers not checking the full credit of their rewards.

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