BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
hello. yesterday was the XXXX of XXXX I was sitting with my family when a gentleman knocked on my door hand to me an open package telling me there is a lawsuit against me for a certain amount. I was shocked cause I didnt know that I owed money to anyone or buy something I didnt pay. so, when i open the package and start reading though i do not understand everything about it. the little i understood seemed like there was a credit card open on my name which I know nothing about and being used and now I am being prosecuted to paid off. 
I remember on XX/XX/2019 I was forced to purchase a timeshare resort on XXXX, couple day after I call and keep calling to find someone to cancel it never reach someone to assist me. now they persecuted me to paid it off and threating me all of that messing up my credit. all of this are XXXX over my head. 
I literally was forced to purchased and being told later on if I am not interest on it i can always return it, or if I want to sell, them they will sale it for me, when I finally find someone to assist me on this case, I have been told I have to stick with it and make payment on it every month. i feel like my personal identity is in problem I am looking to help anywhere to help me get those people of my back. 

i wanted to upload more of the files but the webpage don't let me to, is there any other way to upload more files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan began XXXX 2009. Original note : XXXX. Appraised value : XXXX. Conventional loan. Never missed a payment, auto withdrawal from bank acct. I have contacted BofA numerous times over the last 6 yrs attempting to have the PMI dropped. Customer service has given me many different responses, including it will NEVER be done. Last person I spoke to 18 months ago told me to wait for about a year and my loan balance will then drop to less than 78 % of original amount, and it would AUTOMATICALLY be dropped. I waited 12 mo, called back, only to be told to wait a few more months. In the meantime, each call generated a letter to me advising me that I would need to have an appraisal done to have the PMI dropped, and that even then, the bank has the option to refuse to drop it. WHAT? What happened to the FEDERAL LAW that states the bank must terminate the PMI when the loan is less than 78 %? Today, I called AGAIN and was now told that the bank does NOT have to terminate it automatically, that I have to REQUEST it, and all they can do is send yet another letter telling me I need to pay $ XXXX for an appraisal that BofA may reject!! How can they get away with this? What I want is the PMI to be TERMINATED per Federal Law. I want reimbursed for any PMI they charged me for since the TIME my loan met the Federal Law requirement.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX, XXXX, and Transunion are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXXr credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4.cXXXX XXXX  service XXXX XXXX {$320.00} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
5. XXXX XXXX XXXX XXXX XXXX {$100.00}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
6. CXXXX XXXXXXXX : XXXX opened XX/XX/XXXX balance {$9600.00}. never late 7. XXXX XXXXt : XXXX opened XX/XX/XXXX balance {$2600.00} never late 8. XXXX XXXXrt : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {$550.00} not my account I have 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 2016-11-15
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
BMW Financial Services can not validate this account. BMW Financial Services fails to show my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX, Experian, and XXXX are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4.XXXX XXXXXXXX XXXX XXXX : {XXXX} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
5. XXXX XXXX XXXX XXXX XXXX {XXXX}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
6. XXXX XXXX : XXXX opened XX/XX/XXXX balance {XXXX}. never late 7. XXXX  XXXX : XXXX opened XX/XX/XXXX balance {XXXX} never late XXXX. XXXX XXXX : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {XXXX} not my account I have 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 explanation
Consumer complaint received 2022-09-01
Company: Essential Lending Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with fraud alerts or security freezes

Complaint:
I was reported that personal loan was taken with Wise Loan for an amount of XXXX $ on XX/XX/2022 and deposited in my XXXX XXXX  XXXX account. 

I never applied the loan & i never received the amount to my XXXX XXXX XXXXXXXX account on that day. I have the proofs of XXXX XXXX XXXXXXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have 4 hard inquiries on my credit report that I didnt authorize with TransUnion. Hard inquiries such as XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and was reported twice with XXXX XXXX ( XX/XX/XXXX ). Also I have two closed that havent been removed which are XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: NC
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:
XXXX, XXXX, Equifax Accounts : 1. XXXX XXXX XXXX XXXX- needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
2. XXXX XXXX XXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan 3. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
4XXXX XXXX  Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
5. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
6. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
7. XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
8. XXXX accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
9. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
10. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/22 XXXX XXXX XXXX reported as a inquire on my account. 
XXXX XXXX Transunion I have done no business with XXXX XXXX, I called there office and they were unable to find my information in there XXXX base.

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 2021-03-11
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/XXXX, and XX/XX/2020 The Wells Fargo Bank ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES ON XX/XX/XXXX, and XX/XX/2020. 

These are impacting my credit and am unable to obtain needed credit. 

. XXXX*I RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****

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 2020-03-24
Company: Meade & Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not recall having this account. I have had identity theft in the past and I have always had a identity theft freeze on my account and dont know where this account came from.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My Name is XXXX XXXX. I am filing this compliant with the CFPB, because I have tried every other avenue available to dispute and remove a student loan that I never authorized. I have been added as a co signer for a student loan. I never agreed or authorized anyone to add me as a co signer. It is fraud. I have filed several disputes with the credit bureaus. I have received the hard copies of the loan documents from XXXX XXXX. The loan documents are riddled with incorrect and in accurate information. I will just list a few of the obvious errors. The loan documents state that I am a US citizen which I am not a US citizen. I am a XXXX Citizen and Permanent Resident of the United States Of America. The addresses that are listed on the loans are not correct. I have never lived at the addresses that are presented on the application. I have filed a dispute to the credit bureau 's and they have removed those addresses from my record but they did not remove the student loans that caused those addresses to appear on my credit. The Salary that was entered was not correct along with my debt obligations. This account applications are riddled with errors. The fact that I ca n't get these falsified records removed from my credit has cause me significant damage. I have been unable to obtain new credit when I have needed it. I have been receiving hostile phone calls from credit collection agencies stating that they are going to go into my bank account and steal my hard earned money. I have exhausted all of my options except for hiring an attorney to sue these companies which I could not possible afford to due at this time. I understand this is a relatively new agency and I hope that you will be able to help me with this situation. I feel like I am fighting a giant that does n't care or want to help me with this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau.  Please block and remove all information from my credit report, and send me an updated copy of my credit report. The items outlined in my dispute do not belong to me and is a result of fraud that I did not authorize. Im bothered by the fact your company sent me an updated letter stating you verified these inaccurate fraudulent accounts.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate. From my research on the FTC web site, you cant parrot information from the collection agencies, but you must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
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: Public record information inaccurate

Complaint:
I have sent 3 letters and countless phone calls about this issue. There are multiple inaccuracies with the Chapter XXXX that's reporting on my credit report. Last year I was told the information was verified and two months ago I sent a letter and wanted to know who verified it. I have yet to get a response. I called Missouri federal courts on XX/XX/18 and spoke with a clerk by the name of XXXX who stated typically those written complaints come to his office and he has no record of any validation request for me. I also pointed out that not only was my date of birth incorrect but two accounts showing in bankruptcy where never included in the bankruptcy yet reflecting on my credit report. So a year later I still have the same questions ... Where are the documents that you used to verify this Chapter XXXX bankruptcy? What is the name of the person in your company who verified this Chapter XXXX bankruptcy? What documents did they use to verify it? 
Please provide me with the name of that individual, their business address, and telephone number. Otherwise please remove this inaccuracy from my 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 2022-04-09
Company: EQUIFAX, INC.
State: NC
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: BANCO POPULAR DE PUERTO RICO
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I completed a credit application for the XXXX XXXX XXXX. The credit application was denied. I received the denial letter via USPS. I do not agree with this decision as my credit was extended for consideration and did not receive the credit in the fair exchange of this application process. Poplar Bank violated my consumer rights under the color of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was in XXXX  from XXXX til XXXX in the loan was in XXXX how if I was XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Upon first request to verify dept, Dept collector did not send anything other than who the dept was owed to. A second request was made asking for a copy of the original signed contract with which I could verify the debt. The dept collector then sent a form letter from the company owner saying I owed the money. Five months later I receive a call from a process server that he has a summons to serve me for collections and court. 

The attorney that owns this debt collection company " Express Recovery has numerous complaints, and was reprimanded by the Utah Bar for unethical practices in 2006 but continues to use unethical practices to collect from people who do n't know their rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-29
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Recently, I filed a Reg E claim with my institution.There were several attempts to utilize my card at internet sites and on from XXXX XXXX has posted to my account, the others were rejected. Since filing this claim I have followed all steps directed from TD Bank. I have filed a police report with my local police department ( City of XXXX Police Department case # XXXX ), only to be told that I must file a police report with another police department where items were sent utilizing my card information. 
The branch has told me there is no way for them to contact the fraud department to share information I have received about the fraudulent purchase. The items were sent to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I am inclined to believe this fraud happened after my card information was compromised at a dealership after a legit transaction. I recently placed a hold on a vehicle at XXXX of XXXX which is only 20 min from the delivery address of the fraudulently purchased items. Additionally, the customer service department now tells me that it is my responsibility to seek a refund from XXXX XXXX and that I may have to wait for the bank to file a claim with XXXX. I have not even been given provisional credit and it seems that the bank is somehow not processing this Reg E claim as I suspected. I did not make these purchases, I have provided all pertinent information that has been requested and I feel like I am being given incorrect or additional steps that I am not sure is required of me. I really want the Bank to fully investigate and catch these thieves but I also would like for them to provide provisional credit during their investigation. I am willing to help the best way I can but it seems that some of the request are a little convoluted and actually are in sense beyond my control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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