BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by XXXX and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give XXXX, TransUnion nor XXXX, written permission to furnish these accounts. 

XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting this complaint on my behalf, XXXX XXXX, there is no third party involved. I reviewed my credit reports to find unauthorized inquires. I do not recognize, nor I did not give consent for these transactions/inquires to be reported. The integrity of the credit reporting agencies are extremely questionable if they are ok with allowing just anything to be furnished on a consumers 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 non-monetary relief
Consumer complaint received 2017-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in foreclosure for a while and have tried to work with the bank on a few separate occasions. Last  XXXX  I went through the process with a customer service manager from Bank  of America n and tried a remodifcation. I kept giving them the information they requested, but would get a letter saying that I did not respond in time to the denied my request.     This past scenario, I got an auction sale letter by certified mail on  XXXX   XXXX  from a firm representing Bank  of America. I c alled the firm and asked how I can stop the sale and work with Ban k of America. T hey told me to work with my customer relation  manager  directly and they could assist and post-pone the sale. I immediately called to try to work it out again with BoA and was assigned a new  XXXX  to assist. Thats the thing with BoA, I can never actually speak to this person. They give me a name, and then when you call, they are never available and you have to work with the  XXXX  im on the line with and I never get to actually speak with the person who is responsible for my account.     Well I got the package form BoA along with the letter of what I needed to send them for the loan modification. I retrieved all of the files and faxed the info to them on   XXXX   XXXX  , for which I have a confirmation from MyFax services. I received a letter from BoA on  XXXX   XXXX  or  XXXX  about the extra materials they needed from me which included contacting my  XXXX  for details. This letter stated that any sales of the property would be put on hold until an answer was made in the application. It also stated I have 37 Days to complete the remodification.  Well  on   XXXX   XXXX  , the auctioneer showed up and sold my house. When I called the bank, they said there was nothing they could do at this point and to speak with their representation that handled the auction. Their representation says to talk to BoA. I am still within my 37 days and am trying HARD to make sure I do n't lose this house, but BoA is making difficult, almost on purpose it feels. I have  2 y oung kids and I am in a place now where I can make payments where I was n't when I got into the mess I am. I just want to make things right with BoA and start making payments and not lose my home.

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 2021-11-18
Company: COLLECTIONS USA, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a statement from Collections U.S.A Inc stating I owe XXXX which is incorrect when I moved out I owed XX/XX/XXXX {$0.00} even when they verified my rental information with my last two apts they verified I owed {$0.00} This company is harassing me with false tactics and I will be filing a claim against this company in small claims court for harassment on a bill I don't owe. I would like for CFPB to look into this company for sending out false statements. I feel that Collections U.S, A should be audited and investigated immediately. This debt is not valid and I do not agree with it. The account number listed on the statement is XXXX I had no such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I asked for a loan on Speedy Cash service. And I got several emails from who I thought was Speedy Cash. I paid to an XXXX XXXX and XXXX XXXX an amount of XXXX dollars. With my debit card. And I come to find out later that It was a scam. Its been already 4 months since I filled this complaint. And I havent had an answer and I still owe speedy cash that amount. But I am not going to pay again for an amount I paid. The scammers were good, they sent my price of payment and that they were indeed from speedy cash. They first filed the complaint on XX/XX/XXXX. 
This was the email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: Account status incorrect

Complaint:
I disputed an XXXX account with TransUnion and while doing so I also reached out to the creditor which is XXXX XXXX XXXX XXXX XXXX ). XXXX sent documentation to me and TransUnion saying they they ( XXXX ) deleted the amount and wanted the collection removed from my credit report. I have the universal data form that XXXX sent to me and TransUnion and also the letter that XXXX XXXX XXXX XXXX XXXX XXXX sent to CFPB as a response as well. These documents will be in an attachment below. The documents was sent over to TransUnion XXXX but they are still reporting this account as a collection when indeed it should be removed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i was trying to dispute something online and was sent to a link that my computer said that it was unsecured. there are fraudulent company 's saying they are the major credit unions and asking for sensitive information. and when i  called the number on the website 3 separate time it put me on a line with someone who does n't even speak English. How can the major credit unoions have customer reps that dont speak very good english and the fisrt thi ng they ask for is your social security number to start. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
COLLECTION COMPANY OPERATING UNDER THE NAME OF A DISSOLVED CORPORATION  ( F IDELITY CREDITOR SERVICE,  XXXX   )  BOUGHT AN OLD JUDGMENT ( ISSUED IN  XXXX   XXXX   )  FROM THE OWNER OF JUDGMENT.   THEY FILED A RENEWAL OF JUDGMENT AT THE MERCED SUPERIOR COURT IN  XXXX   XXXX   (  PRIOR TO THE EXPIRATION OF JUDGMENT ) UNDER THE NAME OF THE DISSOLVED CORPORATION.   THEY CALLED ME NUMEROUS TIMES THREATENING TO RUIN MY CREDIT BY REPORTING IT TO ALL THE CREDIT AGENCIES.   I WAS NEVER SERVED WITH THE RENEWAL AS THEY SENT IT TO AN ADDRESS WHERE I HAVE NEVER LIVED.   IN  XXXX  I FOUND OUT ABOUT IT BECAUSE THEY ISSUED A LEVY AGAINST AN OLD BANK ACCOUNT.   I CONTACTED THE COURT AND TRIED TO APPEAL IT ON THE BASIS THAT THEY ARE A DISSOLVED CORPORATION.   THEY WENT AHEAD AND TRANSFERRED THE RENEWAL OF JUDGMENT FROM FIDELITY CREDITOR SERVICE  XXXX  TO  FIDELITY CAPITAL  HOLDINGS  XXXX  DBA FIDELITY CREDITOR SERVICE,  XXXX .   THEY CAN NOT BE DOING BUSINESS AS A CORPORATION WHICH HAS BEEN DISSOLVED.   CALIFORNIA LEGISLATION BUSINESS AND PROFESSIONS CODE CHAPTER  5 ( CODE 17910.5  ( a ) STATES THAT NO ONE CAN ADOPT A FICTITIOUS BUSINESS NAME  ( DBA )  WHICH INCLUDES " CORPORATION '', "  CORP. '', " INCORPORATED '' OR " INC.  '' UNLESS IT IS A CORPORATION ORGANIZED PURSUANT TO THE LAWS OF THIS STATE.   THEY HAVE BROKEN THE LAW IN BOTH INSTANCES.   I AM ATTACHING ALL PERTINENT DOCUMENTS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as Equifax, XXXX, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted. This account should be deleted because XXXX is saying I filed bankruptcy and that isn't relative to me. As per the letter XXXX said it would remove the account if I asked. I'm asking XXXX and the bureaus to delete this account..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The  Loan i applied for has not been approved so i need the approvement to facilitate the loan acquired for. I applied for the Loan o n the  XXXX / XXXX /   2017  and the loan amount is {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2020, the President signed the CARES Act, which in part provided protection for student loan borrowers from institutions taking negative actions relative to repayment. On XX/XX/2020, I received a letter from XXXX indicating it would halt all payments due until XX/XX/2020. On XX/XX/2020, I received an alert from XXXX stating that XXXX placed a negative remark on my TransUnion, XXXX, and XXXX  credit profile, which caused my credit score to fall considerably. The negative remark basically stated that I was 30 days late in making my payment. 

On XX/XX/2020, I sent an email to XXXX  to remind them of their commitment to forego all payments due until XX/XX/2020 based on the guidelines in the CARES Act. I also requested that XXXX remove all negative remarks that were placed on my credit profile immediately. 

I am an unemployed veteran who has been out of work for over two years. I do not have the ability to repay the school loans due to a lack of income, and do not foresee being in a position to do so anytime soon. I would appreciate it if someone from CFPB would intervene on my behalf and contact XXXX  regarding this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please help me ... i am a   XXXX  year old   XXXX  man from   XXXX   XXXX   of 25 years. I really want to keep my home ... I submitted my loan modification paperwork with all docs and today they advised me that i waited to late to send in my paperwork. I talked with an attorney and he advised me to file a complaint with you guys and to file a debt validation because i was within my 30 day time period. Please help me to keep my house. I do n't know what i am going to do

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 2021-11-18
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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft and I have attempted to have fraudulent information disputed with XXXX, XXXX, and Transunion from my credit reports. I have a repossession on my credit with XXXX XXXX XXXX. I have never owned a vehicle with this company. I currently have an FTC Affidavit as well as police report validating my identity theft claim and even still these creditors have not removed this fraudulent account. 

According to The Fair Credit Reporting Act, section 605B requires consumer reporting agencies to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent in that information.

At this time the FCRA law is being broken and I need further assistance with my fraud dispute claim. I have been contacting the bureaus since XXXX of this year and received no assistance nor have they ever provided proof or validation of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing due to the continual harassing actions forged against me that have only become worse after my last attempt for assistance from CFPB in this gross and premeditated matter against me.   I have always paid on or before the  XXXX  of the month as my payment history shows and am writing you on  XXXX / XXXX /  XXXX  . I always pay over the requested {$930.00}, paying {$1000.00}. each month. With that said, and because I have already written CFPB of the unwarranted harassment directed toward me, I have now received a Notice of Default letter.   First, I am not 30 days late for  XXXX  's payment. In the Notice of  Default letter, Ditech  has added the month of  XXXX  's payment.  Second, Ditech  sent the letter which includes that I have several   hundred " over paid '' dollars on my account that are listed as " unapplied funds ''.
So I have an over payment that is sitting in " unapplied funds '' of several hundred   dollars AND a Default notice for a payment that is not 30 days late ... PLUS the next month 's payment that is not due til the  XXXX  of  XXXX , next month? To add insult to injury I consistently receive monthly bills that are " ballooned '' to reflect 2 and 3 months at a time therefore the monthly statements do not equal the harassing letters sent.   Finally, I know when I pay this amount off, I feel I have no choice, .... next month, the same harassment, the same demanding letters, the same threats to pay unwarranted monies will continue ...  XXXX  as they threaten to attempt to take my home.   All this and I have consistently paid Ditech not just the monthly {$930.00} but {$1000.00}. each month ... .consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home on  XXXX / XXXX / XXXX  and with the mortgage financed through  XXXX ,  XXXX . The loan was sold to  Ocwen Loan Services o n  XXXX / XXXX / XXXX . In  XXXX  of  XXXX  I received a letter from  Ocwen  stating that there was an escrow shortage of {$170.00} and a coupon asking for payment. Called  Ocwen  asking why there was a shortage but they could not explain why. Said said that an audit was done and it came up short, not because of taxes or insurance going up. Didnt know why, but I have to pay it..     My original loan payment with   XXXX   was {$1500.00}. In  XXXX   XXXX  Ocwen increased it to {$1600.00} and in  XXXX  they increased it again to {$1600.00}. No letter was sent to me notifying me of a payment increase either time. Again I called them and was told the increases were due to the escrow shortage that they still are not able to explain to me. After the increased payment for  XXXX  was paid, they still told me that the escrow shortage balance was {$170.00}. No reduction.     Due to a recent financial hardship, I submitted loan modification paperwork to them on  XXXX / XXXX / XXXX . All the documents that they requested were mailed to them, including bank statements, tax returns, income verifications, Social Security numbers and the completed application. The Relationship Manager assigned to my case was  XXXX   XXXX . He told me that documents ( which I had sent ) were missing and that I needed to resend them, which I did. Sent him an email asking that they need to be located and to check with the person that opened the package and entered the info in their system. No reply. Several days later they told me they had received everything and they would let me know the progress. They also told me that they had good news that another audit was done and now theres an escrow surplus. A check for {$240.00} would be mailed to me. Then next time we spoke there was conveniently no record of that conversation. And no check was mailed. They also told me they were again missing the same financial paperwork that I have been resending  . Sent Ocwen an email ( attached ) regarding these issues and again, no reply.
Its a disgrace that the consumer has no say in loans being sold and taken over by companies like Ocwen. Amazing how many Ocwen   complaints are on your website and yet they are still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: URS Holding, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the last 3 years I have been getting collection calls for a  XXXX   XXXX . I understand that this person may have had this phone number before it was given to me. When I am at home, I answer the phone and tell the agents that they have the wrong number. Some of them will update their information, but pass on the collection account to someone else so I have to do the same thing all over again. I guess they keep going back to the last phone number that the person had and therefore keep calling my number. I think this is harassment because I keep telling the people the same thing and they keep passing the information on about the client with my phone number. I do not know the names of these collection agencies or their numbers because different numbers come up, so I do not know how to stop this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: MA
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:
Re  :    XXXX   XXXX   XXXX   XXXX    Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on 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