BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Southwest collection pop up on my credit saying I owe a debt to XXXX for an amount they have not enclosed or provided any dates or addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: FL
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:
All three of the CRAs XXXX, Equifax, and XXXX are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called on XX/XX/XXXX to update my name and address, which made a dispute. Due to having those open disputes, I could not see any updates to my online account. To cover myself, I sent in letters on XX/XX/XXXX requesting TransUnion to verify seven accounts and also to remove any names & addresses associated with my account that did not " mirror '' my legal driver 's license, real id identification card, and my social security card that I provided a copy of in the letter they received on XX/XX/XXXX. 

I immediately called when I was able to see my dispute on the portal. The " Completion date '' on the TransUnion portal, exceeded 30 days, so I called. I spoke to a supervisor by the name of XXXX on XX/XX/XXXX, and he told me that the letter that I submitted on XX/XX/XXXX was not sent out until the end of XXXX, and he has no excuse or idea why it was sent seventeen days later and that he would have his boss call me in XXXX business days or I can call the following morning. 

On XX/XX/XXXX, I spoke to another supervisor, XXXX XXXX, who told me that I had no choice but to wait until XX/XX/XXXX, at that the displayed completion date on the portal was accurate, even though I told him it exceeded 30 days and to wait for a call back as there was a ticket in to call me back. 

Then today, XX/XX/XXXX, I spoke to multiple supervisors who sent me to XXXX XXXX, who was the highest supervisor, and he told me there was a dispute on XXXX over the phone for all seven accounts. I do not recall disputing these accounts over the phone or online. He told me nothing was done with my letter from ( XX/XX/XXXX ) and that they have five working business days to send it to the creditors, which would have been ( XX/XX/XXXX ). 
In closing, my certified letter received by Transunion was disregarded, along with the legal documents verifying my identity, along with the accounts needing to be verified were disregarded. There is an open Dispute on XX/XX/XXXX, but I don't believe it is tied to my certified letter, and if it is by law meaning, they have to provide me with an update, but according to all the supervisors, I have communicated my concerns I couldn't get a straight answer. I was told I will not receive a response on XX/XX/XXXX by all the people I communicated with. Instead, I should expect an update now by XX/XX/XXXX ( 43 days from when I sent my Certified Letter ), which is why I am filing a claim now because I was told I would not get a response by the XXXX. Obviously, someone dropped the ball, and I shouldn't have suffer due to TransUnion 's error.

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 2022-09-01
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Im being told that I owe XXXX for a card Im very unaware of The card was opened back in XXXX of XXXX  Also shows a secured loan and a bank account that was used as well Where withdraws and deposits were made I just settled the same case with XXXX XXXX which I did not have at all but it finally got closed after 3 months of me being told my info was verified

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 2022-03-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
was notified of a debt in my name by FCO collection inwhich they advise me that an apartment have been opened in my name. I advised them that I did not have an apartment in the XXXX Georgia area at any point in time. I asked them to show me a burden of proof of a signed lease showing me being responsible for any monies owed on the lease. This company could not produce that they sent me a lease showing my name listed as an occupant not a responsible party to a lease agreement. They sent me the fraud package to claim this as fraud. I filled out the package along with the police report a lease showing my current address at the time this lease was opened and my drivers license. FCO sent me a denial letter with no justification as to why. They are violating my rights and I will be seeking private counsel as well as alerting the federal trade commission and the attorney generals office. Please investigate this

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 2020-10-07
Company: SoFi Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a mortgage loan with SOFI Financial the first week of XX/XX/2020. We locked in our rate for 60 days on XX/XX/XXXX. After sending in documents showing income, mortgage balances, credit report, we were told we were approved for our loan. Our home 's appraised value came out higher than we had initially valued it on the application ( so no problem there ). We received an estimated closing date of XX/XX/2020. 
When that date passed I contacted our loan officer to find out what the hold up was. He stated he'd look into it and get back to us. At that time he requested more documents that we had already sent in, but I sent them again.

When our loan officer failed to contact us over the next week, I contacted his supervisor and asked what the hold up was, since our lock was then expired, our estimated closing date had past. Within a hour of contacting the supervisor, our loan officer contacted us and asked for an explanation of a past foreclosure. I explained neither my wife nor I have ever been foreclosed upon, that there must be some mistake and why was this only now coming to light after they had pulled our credit report and twice informed us our loan was approved. I asked if this was retaliation for going to his supervisor. I asked if he was discriminating against my wife and I for some reason.

He said, " of course not '' just routine inquiry. He said he'd get our loan closed by the 90 day mark.

12 days later, after the 90 day mark, I contacted the company again to ask what was happening. I received an email asking for additional documents that we had already turned in several times and no other response. The email was the exact same email as 6 weeks before, that we had already responded to.

I believe SOFI is holding up our loan by requesting we send in the same documents over and over, hoping we'll cancel our application. Which is what I finally did after 93 days since we first locked in our rate.

We paid for an appraisal and wasted 90 days time on this matter. I can not prove it, but I believe my wife and I were discriminated against.

I requested a refund of the appraisal cost and {$2000.00} compensation for wasting 90 days of our time, and losing our rate lock, but I got no response on the 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 2017-04-06
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This is an agency calling for a Medical emergency debt They have my cell phone and been calling my work number everyday harassing me .When I comforted them they were rude and hanged up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: LEXISNEXIS
State: MD
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 XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Frontline Financial, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
In  XXXX   XXXX , Frontline Financial , LLC pre-qualified me for an FHA loan. I had previously spoken to another mortgage broker who told me I would be unable to use rental income from my current condominium, but  XXXX   XXXX  assured me that they would be able to include this. I asked him to check on this, and was under the impression that this had been done.  <P/> When I found a house in  XXXX   XXXX , Frontline Financial , LLC provided a pre-approval letter to accompany my offer. My offer was accepted, and a closing date was set for  XXXX / XXXX / XXXX . During the period from  XXXX  through  XXXX / XXXX / XXXX , I continued the buying process, obtaining the appraisal and an inspection, as well as an insurance quote and home warranty, all while receiving updated loan documents from Frontline Financial , LLC with every new piece of verified information, and the assurance that all was fine, and we should be able to close by the scheduled date.  <P/> My deadline for withdrawing from the contract was  XXXX  days prior to closing, as clearly stated in my contract, which Frontline Financial , LLC had been provided a copy of when the offer was accepted. However, it was not until the day of closing -   XXXX   that Frontline Financial , LLC verified whether or not I actually met all requirements the FHA loan. At this time, they found that in order to use the rental income from the home one is moving out of, one must move at least  XXXX  miles. The new property is only  XXXX  miles from my current home. With this information, they denied my application for a loan. Clearly as a lender, they should know all requirements for the loans they propose to clients, and not wait until last minute to check if there are any changes. Their error in this instance caused me not only to lose the property, but also portions of my deposit, in addition to spending unnecessary monies on an inspection and appraisal of a property I could not afford without an FHA loan.   I notified Frontline Financial , LLC of my loss of portions of the deposit due to their error, and have requested reimbursement of the funds lost ; however, they have chosen to not take any responsibility, and is now stating their decision was based on my credit, which they clearly should have been aware of before presenting me with a loan offer and a pre-approval letter.   I find this to be such gross negligence on their part, and want to ensure they do not repeat this process with other potential buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
Please open a new case for submission number XXXX. 
Bank of America 's representative, XXXX has made no attempt to contact me and will not return the three messages that I have left. 
A certified copy of the power of attorney form ( see attached ) allowing me to speak to Bank of America was sent by our attorney, yet bank of America refuses to talk to me to get this issue resolved. 
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 monetary relief
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Financed a vehicle from XXXX of XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX. After paying down payment & signing paperwork, went to get insurance and was told my insurance company vehicle had savage title ( I was unaware ). Called company and spome with XXXX who sold me vehicle and she says was unaware as well. Only option I was given was to keep and pay on vehicle for 15 months and would let come back and do a trade on another vehicle ( which would result in another credit as well as down payment, basically starting all over XXXX when i wouldve been half way through current loan. Also some other issues with the vehicle, some of which company had fixed, others I got the run around on. Months into having the vehicle it broked down as well as leaking from roof and doors causing mold on carpets and ceiling. I emailed XXXX XXXX said nothing can be done so told her where the vehicle was and told could pick it up because I refused to invest anymore money into fixing or payments. She said would send someone out for vehicle, have it repaired and sold at XXXX. XXXX was recovered and placed on my credit as VS eventually but I never recieved anything on what was sold for or anything. XXXX on my credit for what I originally owed. Every month or so the balance would go down to XXXX and then back up again to almost {$7000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: LA
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:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX  LISTING ON MY REPORT WHICH IS WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have had Medicaid coverage for her he past three years, since XX/XX/XXXX. There is collection account that is reported on my credit report for XX/XX/XXXX for {$930.00}. I have contacted the collection company and the credit bureaus and requested for this to be removed from my credit. I have also provided them with evidence that I was fully covered with Medicaid during that period. Unfortunately, they have not addressed the request. I contacted XXXX, XXXX, and XXXX XXXX XXXX on this, but to no avail.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-05
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I, XXXX XXXX, a natural person, requested a 1099c form from Santander Consumer USA, via Consumer Financial Protection Bureau ( CFPB ) portal. However, Santander Consumer USA responded on XX/XX/2022 they Cant not provide me with the requested documentation/information without providing any details. Santander Consumer USA which law are you referring to State or Federal? That Santander Consumer USA, by law, you do NOT have to provide me with such information 1099c? Please respond by law ONLY why Santander Consumer USA cant provide me me, XXXX XXXX, consumer, applicant, with a 1099c, and in fact also a 1099a as well? Which law states you are right about this? And that you ( Santander Consumer USA ) stated is truth? Pursuant to 26 U.S. Code 7203 Willful failure to file return, supply information, or pay tax that is a violation. 

As of XX/XX/2022 at XXXX est, You have my account on all the XXXX major credit reporting agencies XXXX, XXXX XXXX XXXX XXXX listed as Charge-off with the amount of {$5400.00} for a repossession with the amount of {$2700.00} written off, Which will require a 1099c & 1099a form. PLEASE EXPLAIN WITH PROOF OF DOCUMENTATION AND BY LAW ONLY WHY SANTANDER CONSUMER USA DONT HAVE TO PROVIDE ME WITH THE INFORMATION. 

Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My XXXX account was hacked which was linked to my chase account. This account wasnt active so I didnt notice the email from chase fraud asking me to authorize the purchase which I did not ; however they allowed that and hundreds more treats actions to go through until my account was drained. After I called to make them aware they still let another {$700.00} worth of transactions go through which caused me to have to close my account entirely. Some funds were returned but than later reveresed saying XXXX should cover it. Now Im out {$14000.00} after chase is violating there own policies for fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: EQUIFAX, INC.
State: NJ
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:
all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid my debt and when i was getting the amount i was offered a lesser amount to pay and i took the offer and paid and was told that my debt was now paid in full. The company later told me it was not paid in full. This is not right and falls under fraud.

Company response to consumer: Closed with explanation