BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2017-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote a letter to trans union asking them to remove my Bankruptcy from there file. I did this back on XXXX/XXXX/XXXX. I got a letter from them dated XXXX/XXXX/XXXX telling me that it has been verified. Keep in mind the Texas Federal Courts DO NOT report anything to the various credit bureaus, nor do they verify the information reported is accurate.

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 2015-07-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I filed bankruptcy XX/XX/XXXX with discharge. XXXX XXXXAlly bank wrote in CFPB complaint XXXXXXXXWhat appears to be a violation of the bankruptcy stayCar was reaffirmed VIN XXXXIt appears Ally bank took car without permission during bankruptcy stayThis is my first knowledge of any action XXXX XXXXTo my knowledge all action stopsAppears I was taken advantage of with a clear disregard to the bankruptcy stayNo proof of claim or relief was applied for by GMAC/Ally BankGMAC/Ally did not appear at creditors meetingGMAC/Ally provided 100 % percent interest to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: WI
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 everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? 
This is grounds for removal. 
They also violated my rights under 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 15 U.S.C 1692c Section A : States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX 2016, All of the inquiries on my TransUnion credit report were removed entirely, then reinserted a short time later. I had no notification of, nor did I authorize, the inquiries be reinserted. I have contacted TransUnion multiple times, the last call on XXXX/XXXX/2016 @ XXXX, trying to get the issue resolved, but customer service would not help me and take care of the negative inquiries reporting on my credit report. 
List of Inquiries deleted then reinserted : 1. XXXX XXXX/XXXX/16 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX via XXXX XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX 7. 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 2021-11-11
Company: Bridge It, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Call and text every day after XXXX and before XXXX I have asked them to stop repeatedly and they will not stop.

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 2017-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit reports ( XXXX and Transunion ) it is saying my XXXX XXXX loan is delinquent and has n't been paid in 120 days. I was late with payment back in 2011 but the loan is all paid off and has been for years.

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 2016-07-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was looking for car to purchase in XXXX at XXXX NISSAN I was put under a lot of pressure by XXXX XXXX and his used car manager. I suffered a XXXX, they took advantage of me by selling me XXXX different cars, checking my credit three times and lowed my credit rating. Also gave me a 10 % interest rate. XXXX XXXX XXXX XXXX wanted to pay my loan off and give me a lower rate but they said that the dealership committed fraud on my loan and the XXXX MAXIMA was over priced, XXXX times its value. The car is worth {$20000.00} and I paid {$60000.00}. I have told NISSAN CONSUMER AFFAIRS about this for XXXX years nothing has been done. I continue to make double payments on a fixed income. I am a XXXX Veteran with various health problems. Your cooperation in this matter will be gladly appreciated. This is disgrace to be treated this way. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The information being reported by Chex Systems XXXX and XXXX XXXX XXXX isn't true.XXXX XXXXf XXXX said it was fraud that is a lie.It wasn't fraud and I am requesting that both XXXX and XXXX XXXX XXXX please deleted from my report .The info is incorrect and not accurate at all.

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: YSA ARM LLC DBA Oxygen XL
State: CA
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:
I received a debt collection notice from Oxygen Recovery Group claiming that I owe XXXX XXXX {$880.00}. I have requested proof of this debt and have received nothing from them other than a threat that if I do not pay, they will report me to the credit bureaus. I do not recognize XXXX XXXX as an entity with which I have any business dealings. Further, I have no way to contact them to verify the debt, if any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notice in the mail by a XXXX XXXX XXXX XXXX that I owed them {$2400.00} showing account number XXXX and creditor number XXXX This is a fraud account this is not mine. I already contacted the creditor and fraud was placed and investigated under my name. I have been with XXXX for the past 3 years so there is no way I owe XXXX XXXX XXXX as this is showing up on my credit stating it was opened XX/XX/2022 which again is fraud I am with XXXX. I submitted an identity theft report and contacted local authorities along with XXXX XXXX XXXX to have this investigated and removed. Credence did not send notice that they were placing this on my credit 5 days before like stated in FCRA meaning they violated my consumer rights along with XXXX XXXX XXXX  not sending me notice either. When I called them I told them this is a fraud case and they ignored me and went ahead and still placed this on my credit report. I am purchasing a home this month and this caused a BIG issue with my lender. I am upset and irritated of the irresponsibility of this company and how they failed to notify me of this account before adding it to my credit when the account does not belong to me. Attached please find my identity theft report along with identification and the letter I received in the mail by the company above.

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 2022-03-17
Company: Maury Cobb, Attorney at Law, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MAURY COBB ATTORNEY AT LAW LLC. ( XXXX Account number XXXX ) They put a negative report on my credit record, without me being notified about this debt and that caused me to lose XXXX points from my credit score. This debt is more than 6 years old, I did not remember it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Honorable to FDIC Only! 

I write in worst extra file charging complaint against Bank of America that BOA called me today, we discussed then at last that 's not resolved problem. I told them it was not resolved problems, so they did not tell me about paid rent check with sad icons forward to U.S. XXXX and Speaker XXXX XXXX. In addition, Bank of America did not tell me about credit card issues information. I told them that I did not receive a refund today and checked my BOA on tablet, there is still nothing. 

Still that I do not happy with Bank of America since that I used Bank of America account. In addition, I do not allow female worker involved in this bank issues and me, so use a male accommodation works with me through these/those bank issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THIS IS A DUPLICATE ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: FISERV INC.
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:
At or around the beginning of XXXX I checked my XXXX account online and I notice an XXXX XXXX Charge for XXXX that I have never authorized or agreed to pay. I call my bank and placed a disputed and they said that they will investigate the claim, now less than 2 weeks after my complaint I'm getting a letter from a collection agency trying to collect on a debt that I do not recognize and I certainly do not owe. The representative was very rude and refuse to prove that we actually owe this debt and start pressuring us to accept that we are responsible for this debt and until we prove that we don't they will be continuing reporting this debt as well to credit bureaus and XXXX and as far I know they by law need to prove me that I owned the debt before they try or intended to collect on such debt. I was trying to make sense but they were pushing and pressure me to settle an account that I DO NOT Owe. 

I'm in the process of buying a house for my family and this dishonest practice will affect me in a big way, this type of collection should not be allowed especially without them proving that I actually, legally owned them the money. 
They suggested that I gave them my social, bank account, and routing number that is XXXX, I just got robbed on my own account why would I provide you with such private and non-public information. Make no sense

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 2015-10-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
First of all, thank you for handling my Complaint. 
After reading the Consumer Financial Protection Bureau Rules to protect homeowners,I can briefly write my Complaint by saying that:"Rushmore Loan Management Services has violated each and every one of the Rules"
I am trusting that you will base your final conclusions on facts and evidence and not words written in a piece of paper, that is why I am presenting each of my TRUE statements with documents attached.
Please, know that the least I expect is the same from Rushmore.
On XX/XX/XXXX 2014, Instead of Rushmore informing me that they were the NEW Servicer, I found out because I received an e-mail XXXX, saying that Rushmore was going to continue processing my Loan Modification request and Rushmore HAS NOT UNDERWRITTEN MY FILE! (Exhibit G).
For fifteen months I have been calling and sending e-mails and ALL Rushmore's employee refused to talk to me. All of them refer me to Rushmore Attorney, XXXX who does not answer either!
My Complaint has more characters that the ones remainning therefore I will be attaching my three pages Complaint for your review and consideration.
It is with gratitude in my heart for the existence of Consumer Financial Protection Bureau that I place this complaint against Rushmore.
Sincerely,
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: SC
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:
I filled a dispute with the credit bureaus and its been well over 45 days.

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 2022-03-17
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX  XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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 2022-03-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I made one transaction that made my account overdrawn, which I accept one overdraft fee but instead they posted the smallest amount left some pending and overdrawn my account with 6 {$35.00} fee a total of {$210.00}, I had money to cover all the transaction done during the week all the way until last transaction

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 2020-04-20
Company: CU Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. According to the FDCPA, my federally protected rights have been violated. In XX/XX/2019, I, XXXX XXXX XXXX was contacted via phone by CU RECOVERY, in reference to a debt. This was their ( CU RECOVERY ) first time contacting me. While I was on the phone, the agent never told me that I had the right to ask them ( CU RECOVERY ) to " validate '' the debt, which is my right under 15 U.S.C. 1692I.

2. Also, as a consumer under the FDCP, my right to privacy was infringed upon, due to the fact that I never gave the debt collector ( CU RECOVERY ) permission to contact me directly via phone. The debt collector ( CU RECOVERY ) also had a my previous address on file which is another source of contact infornation they never receieved from me directly. 
3. Also, under 15 U.S.C 1692b, the debt collector ( CU RECOVERY ) were not supposed to use a logo on any documents, nor were they supposed to acknowledge that the notice was an attempt to collect a debt. As I stated above, the address they ( CU RECOVERY ) had on file was a previous address, which means that they possibly mailed a notice to my PREVIOUS address, which means they possiblly communicated with someone else other than me in reference to the debt, which is also another infringment on my right to privacy. 

THE AMOUMT OF THE DEBT TOTAL IS {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are a couple of addresses listed on my credit report that DO NOT belong to me. I 've never resided at the listed addressesXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX, XXXX, AZ XXXXPlease remove from my credit reports. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir or Madam. 

A recent review of my credit report turned up information that is inaccurate. Please refer to the attached report, where I have circled the item ( s ). Please remove the below addressed and employment history from my credit report. 

Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX Employment : XXXX XXXX XXXX XXXX XXXX Please investigate these matters and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am contesting the account with SYNCB/CHEVERON DC. It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 176 % usage. I need XXXX and SYNCB/CHEVERON DC to correct this account on my XXXX report. I should not owe SYNCB/CHEVERON DC anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX  reports, too.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2022, I logged in on Transunion 's website to look at my credit report. I noticed an account that stated the estimated removal date to be XX/XX/2022. I called Transunion, and explained to customer service, since today is XX/XX/2022. She explained on her end, it shows the account will be removed in XX/XX/2022. I told her I was still logged in, and the account shows me it will be removed XX/XX/2022, and then requested to speak to a supervisor. The supervisor, XXXX, proceeded to tell me the same information, that on his end, it shows that account will be removed in XX/XX/2022. I, again explained what I saw on there website, and also saved and printed that information. I explained to him, that is a violation of 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 non-monetary relief