BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$820.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-06-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my 53 bank account for arround 2 months now. I have been unable to transfer my funds out, as I need to get the balance to XXXX prior to submitting the account closing request. 

Initially, I was living in XXXX and didn't have access to the phone number on file. I was finally able to get the phone number changed. I transfered out {$2000.00}, but that placed a security flag on my account. I called and they removed the security flag. I have been trying to transfer out {$2000.00} a day, but each time I try doing the transaction it gets flagged and they tell me to call customer service. I call customer service and they tell my to try again in XXXX hours. 

I just want to cancel my account and get my money back. It shouldn't be this hard!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: OH
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:
After examining my Consumer Reports, I came across late payments recorded on an account for which I have always made timely payments. As Consumer Reporting Agencies play a critical role in reporting consumer information, it is their responsibility to do so with the highest level of accuracy.

I want to emphasize that I have never been late with any payments for the account in question XXXX XXXX XXXX therefore, request that an investigation be carried out to provide evidence of these late payments. In the event that such evidence can not be provided, I demand that the late payments be corrected to show that they were made on time, as they were. 

Thank you for your prompt attention to this matter.

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 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had been a customer at Bank of America for approximately 15 years. In recent years, I had not accessed my account much. I have come to discover that my account was closed in XX/XX/XXXX. I was told that the bank began charging $ XXXX  monthly maintenance fees in XXXX. I attempted to access my account during that time, but was working abroad and had trouble when I needed customer support. At the time Bank of America began charging me fees, I had made no changes to my account. I don't know what happened that the bank started charging those fees ( after years of not charging them. ) Now that I am in the XXXX, I have been able to access customer service. I've been told that there is no one who can authorize returning those fees to me. I was also told that it might have been possible to recover the fees if the account was open, but they offer no way of reopening the account after they force-closed 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
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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 writing again in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7700.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Velocity Portfolio Group
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
You velocity investments are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: LoanCare, LLC
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX Loan Care Services XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Office of The Consumer Loan Care XXXX XXXX XXXX during XXXX, XXXX and XX/XX/2023. 
The XXXX XXXXXXXX XXXX did not authorize Loan Care to service my account number XXXX. 
I contacted Loan Care via phone and letter ; they did not respond. 
XXXX is trying to recover the funds. 
The person ( s ) who committed should be arrested and jailed. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN 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 explanation
Consumer complaint received 2023-06-23
Company: SERVICEMAC, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have XXXX loans serviced by ServiceMac, all of which are XXXX XXXX loans, rental properties and have the same hardship reasonings provided in the mortgage forebearance applications ( unemployment, flood disaster in one of the property and pXXXX out to tenants on the settlement agreements ). Two loans ( XXXX and XXXX ) are denied for mortgage forbearance, while one loan ( XXXX ) is approved for 3-month pause payment in mortgage forebearance. I have asked ServiceMac to review all three loans altogether, where the message were sent to the manager of the underwriting. However, I was informed by the manager of loss mitigation that ServiceMac does not review all 3 applications together, the loan approved for mortgage forbearance was due to XXXX XXXX XXXX  allowing 1 owner occupied loan to be approved for mortgage forbearance. This statement is incorrect as I already have one owner-occupied loan approved for mortgage forbearance by 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 2022-12-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BALANCE : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have 2 paid off cars with thr state employees credit union and they are holding both titles for collateral even though that wasn't agreed upon. They also sued me for the same matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company is reporting a collection on my credit report. I mailed them a certified/return receipt letter on XX/XX/2023 requesting that they provide me debt validation including and agreement with my signature, date of alleged debt, date of original charge off, verification that the debt was assigned to the collector, proof that they are licensed in Florida, and affidavit that the statute of limitations has not expired. 

They did not send any of the requested information and only provided a copy of a bill from their supposed client with my name on it, but nothing in accordance with the Fair Debt Collection Practices Act, 15 USC within the 30 days as required. 

I then followed up with another certified/return receipt letter on XX/XX/2023 reminding them that they are required by law to provide me the validation that I have requested within XXXX days and that a copy of a bill is not a validation of debt. The letter went unanswered. 

I have requested that they remove this as they are unable to validate the debt but they have not responded and continue to report the 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 2022-12-16
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$820.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: TN
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 submitted a complaint against Equifax via the CFPB on XXXX regarding XXXX accounts reporting late payments. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Equifax stated that they accounts were reporting late with no late payments. After response I did notice that the XXXX accounts reported paid as agreed with no late payments. As of today the 30 days late payment shows on XXXX  XXXX XXXX XXXX and now the XXXX XXXX XXXX XXXX shows me late 60 days in the month of XX/XX/2019. They failed to do as they stated. I attached what is currently being reported on their website my equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint is acting in bad faith. They are just playing time clock games. 

In complaint, XXXX I asked for an affirmation agreement. 

On XX/XX/2023, Shellpoint got a request for reaffirmation. They failed to acknowledge it. After I filed a complaint, Shellpoint, on XX/XX/2023, Shellpoint claimed that the email was mishandled. 

Now, Shellpoint claims they are working on the affirmation agreement. This is an attempt to run out clock without reaffirming. It gives them time to put in unconscionable terms and and not file a reasonable affirmation in a timely manner. 

Whatever I request, Shellpoint does the opposite in pure bad faith. I tried to reaffirm the note, but Shellpoint likes to play games and create obstacles. In fact, XXXX XXXX spins the bull for Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: S&S Physician Services, Inc.
State: MS
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 Account # 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 ar purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Provided payment information for my account XXXX corrected part of my credit report. However failed to explain fees put on account or provide proof of what the fees are for. Also failed to apply an entire payment for my monthly payment but used it for fees XXXX continued to report payment late for XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
in XX/XX/2023, I received a letter from Rushmore loan servicing about updating my homeowners insurance policy ; I live in a condo so I provided the condo association master policy ; the letter I received mentioned either the COA Master Policy or my XXXX ; via the methods described in the letter I provided the updated Condo Association master policy ; and later recieved confirmation that my insurance policy was verified and sufficient coverage was confirmed. on XX/XX/2023 I receivd another letter from Rushmore requiring insurance information from me and threatening to buy very expensive homeowners insurance if I did not provide the insurance information they required! 
I spoke with an agent who said she was able to locate the condo master policy but they also needed my XXXX! even the XXXX letter mentioned either the condo master policy or XXXX! 
I believe Rushmore is trying to force me to buy expensive homeowners insurance on purpose that's why they denied receiving insurance information from me or accepting that the proof of insurance I already sent them in XX/XX/2023 was sufficient!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: SANTANDER HOLDINGS USA, INC.
State: NC
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:
Talked with company Santander Consumer XX/XX/2023 and asked how was my car charged off. And how do i get the title. No one could answer i got transferred 3 different times. On XX/XX/2023 about XXXXXXXX XXXX  an unmarked tow truck with tinted windows no tag towed my car. They pulled at a store i go to regularly and used a clothes hanger to unlock my car doors because my alarm was going off. I feel this is very fraudulent. The lady at the store said they told her they where from XXXX XXXX XXXX XXXX. But when i look up company its a house and when i call phone number provided on the website it goes to a regular person phone instead of a business.I believe my car is stolen. I am going thru alot with my phone and cars being tracked and not by gps dealing with Santander consumer. Just that Saturday prior to XX/XX/2023 I received a letter from u all stating that my information was at risk. I also received a call from a debt consolidator stating i am in bankruptcy due to several fraudulent activities on my credit account. I dont know what to do at this point pls help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
usaa received money va direct deposit form va i sent 4 request no respond to date usaa want tell me who the paid nor how much usaa allowed some to put their name i need to know ther pa history is wrong the amount is tooly wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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:
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

Company response to consumer: Closed with explanation