BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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: Problem with personal statement of dispute

Complaint:
This is additional information to the below complaint against XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the credit bureaus ( transunion / XXXX  ) get away with such absolute and concrete thinking. These credit bureaus need to be had accountable for lowering credit scores without any thought behind it. I have never missed any payment for anything. They know this and still lower my credit score without investigating. Hold them accountable as well.

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 2016-02-08
Company: Oracle Financial Group LLC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continue to call XXXX to XXXX times a week about a debt I do n't owe for a company that no longer exists. Then they threaten to take me to courtand get nasty on the phone. I told them to take me to court and quite calling but they continue to call, over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: CA
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX and LVNC Funding LLC continues to place me in collections for debts that are not mine. The are now claiming that I owe LVNV Funding LLC for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with XXXX or LVNC, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, XXXX turns things over to LVNC or XXXX of their other companies or, visa versa. At this time, XXXX is trying to collect for LVNC. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mother, a resident of Indiana, passed away XX/XX/2020. In the process of settling her final affairs, we realized that a mortgage for a double-wide trailer in Tennessee with Select Portfolio Servicing still existed in her name. In researching this issue we realized her brother 's girlfriend had her illegally sign a quitclaim deed to the double-wide and the land it sits on over to her. Our uncle and his girlfriend live in the double-wide trailer and use our mother 's SSN to access the automated payment system to make the monthly payments. We have tried contacting Select Portfolio Servicing to get them to stop accepting payments on the property, but they refuse. We were told by SPS that as long as someone makes a payment they will continue to let the loan be active. My siblings and I have contacted an attorney in Tennessee and were told that we legally own the trailer and our uncle and his girlfriend legally own the land that it sits on. However, the escrow account for our mother 's loan pays for the property tax for our uncle 's property. The attorney also verified the quitclaim deed was not valid, but the statute of limitations has passed for any legal charges to be filed. Select Portfolio Servicing should have forclosed on the property back when the quitclaim deed was filed since the land used to secure the loan was signed over to someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: GABA LAW CORPORATION
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I currently have XXXX private student loans which were sold to debt collection agencies. The first loan has sent me an invoice with what I owe, total interest, a breakdown of monthly payments due, and when my loan will be paid off. The second loan is with an unregulated debt collection office called Gaba Law Corporation. The only actual lawyer there is the owner and the XXXX people I have dealt with are not lawyers. When I ask them for info on what interest will be charged and how much interest I have paid up to date, they do not give me straight answers. The person who handles my file is very short with me and instead of giving clear info like how much interest I paid for the month or by when my loan will be paid off, he sends me short, irritated emails with vague information. In XXXX my balance was {$7200.00} and I have since paid {$470.00}. My balance is now {$7000.00}. Only 40 % of my money went to principal. 
My other debt has charged me 10 % for the total amount owed annually, so it 's a set amount for the year and I make monthly payments which lowers the principal substantially. Gaga Law Corp. charges this 10 % interest per day, and changes the amount every single day so I can never keep up with what I have paid and what I owe. As far as i 'm concerned with what I can afford to pay them I 'll be paying them for countless years considering the amount of interest I am being charged. I have emails proving all of this information above showing the vague, unhelpful, rude emails they send me when I ask for simple information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried on numerous phone calls and attempts to resolve the situation regarding my foreclosure. Rushmore loan management representatives are withholding information, over talk me will not answer any of my questions. Today I called with a HUD counselor on the phone to assist with the phone call and still the same rudeness from all representative XXXX was first, XXXX second, and lastly XXXX. We requested to speak with management several times and we were hung up on. The misrepresenting notes that are taken by each representative are very troubling. The miscommunication and the false claims are in an attempt to benefit Rushmore in seeking foreclosure This company will not assist me at all. I am in the process of seeking an attorney or joining a class action suit against this company or the end result will be bankruptcy I will not release my property to the scam artist. I am trying to get somebody to go over detailed questions that I have about my property and loans being transferred twice in a matter of four months also there are way too many representatives handling this case and a lot of confusion and nobody cares. I have the right to know why there were fees placed upon my account during Covid I have the right to know when my loan was purchased from the previous lenders and I also have the right to have my account on hold for 60 days which Im told is not the case because of that discrepancy with when they are saying my loan was transferred. Im also being told that my loan is not secured for 60 days from the date of transfer. There is a big discrepancy with when I was told from the previous lender as to when the loan was transferred because Rushmore is telling something totally different. This is very scary, This company is dishonest and is doing everything thing possible to help me avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

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 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 2016-09-17
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ncc is reporting XXXX balances of {$1400.00} and {$500.00} and they do not show me any information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CITIBANK, N.A.
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: Was not notified of investigation status or results

Complaint:
Wrote letter requesting for VALIDATION not VERIFICATION no response

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 2022-04-12
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:
Hi, My name is XXXX XXXX and I have tried countless times for about 8 months now to have unverified debt and wrongful information across the three credit bureaus removed from my credit reports and taken care of. During the past 8 months, my rights have been violated in which the bureaus have not responded or have failed to meet my demands where I reached out to them and they claimed it wasn't me or asked for identification in which I have sent them countless times as a stall tactic. I will submit all my work/disputes I have submitted for the past 3 months and I am hoping the CFPB can finally bring this to a close as dealing with all 3 bureaus have been an headache as they don't comply with the law at all and are still partaking in illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I obtained a copy of my credit report several months ago and noticed that my XXXX XXXX credit card that I have had since XX/XX/XXXX was not being reported to any of the credit bureaus. I reached out to XXXX XXXX directly and they responded and confirmed that they would be re-reporting my account to all 3 credit bureaus. This request was recorded several months ago in XX/XX/XXXX. Unfortunately, at this time, Equifax and XXXX  are still not properly reporting my XXXX XXXX account. Equifax is not reporting the full history of my account ( they are only reporting from XXXX to present ) and XXXX  is not reporting the account at all. I know that payment history makes up a majority of my credit scores, so I am not getting the proper credit for the 8 years of on time payments to my Equifax and XXXX  credit score. I have tried calling XXXX  directly and also have sent them letters but I am not receiving any responses from them regarding this and other matters on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My significant other took out a loan through Springleaf financial and asked me to cosign. I was reluctant from the beginning and have since dicsovered several things about the loan that appear to be unfair, dishonest and misleading. Shortly after taking the loan out, XXXX XXXX attempted to deposit the checks she received. They were returned and springleaf explained that they had to be endorsed and sent to the creditors. At this point I contacted the springleaf branch and explained that I was not comfortable with the loan and would refuse to sign/endorse any future papers or checks. Springleaf dishonestly reprinted the checks leaving my name off ( the contract clearly states that several of the checks are to be printed with my name on them ). This was done to be dishonest and refuse me any right of to reverse the terrible decision made. I have copies of the checks to verify that my name was ommited. 
I obtained a copy of the contract and in reviewing it noticed that a life insurance was applied. XXXX and I were never had any insurance explained to us or told that voluntary insurance was being applied to the loan. We had no idea what this insurance was for and why it is on the loan. I find this very unfair and dishonest by springleaf. When I reached out to the insurance company they explained that they are owned by springleaf financial. Further explanation of the insurance explained that the coverage is used to make sure that in case of the borrower 's death financial obligation of the loan would be removed from her spouse/life partner. Being that I am the cosigner it would not remove my obligation and therefor is completely useless and we would never have agreed to such insurance had it been explained. During the loan our loan officer pointed and told us where to sign, initial and date with no explanation of any insurance. 
Springleaf 's reporting to the credit agency has had a very intense and harmful affect on my personal and private life. I have asked them on XXXX seperate occasions to stop reporting to the credit agency. These attempts are verifiable through XXXX complaints and emails. Springleaf is still reporting and refuses to stop. 
I have reached out to the branch manager, Distric Manger, corparate office, legal department and submitted a XXXX complaint and springleaf on all occasions refuses to acknowledge their wrongful practices. As a consumer I have rights and feel that springleaf financial has violated my rights by refusing my request to cease contacting any and all credit agencies regarding their loan, by going against the terms of their loan and dishonestly writing checks with my name deliberately omitted, and by forcing useless voluntary insurance on a contract without explaining it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Transunion took more than 30 days to respond to my dispute letter for fraudulent inquiries on my credit report. 

I sent my first dispute letter via certified mail on XX/XX/XXXX. Did not receive a response, although the return receipt was signed by Transunion on XX/XX/XXXX. 

I sent my second dispute letter via certified mail on XX/XX/XXXX. The disputes that need to be deleted from my Transunion Report as soon as possible : 1. XXXX, Inquire Date : XX/XX/XXXX 2. TransUnion, Inquire Date : XX/XX/XXXX 3. XXXX XXXX, Inquire Date : XX/XX/XXXX Please see the attachment.

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 2016-09-27
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
pull up XXXX or XXXX on my online statement, its gone ( ironically ). THis is NOT the first time they did it, they have allowed XXXX XXXX to take money from me XXXX three times and said well if you authorized it once who is to say you didnt allow them to take it again ( which I didnt, I cancelled the account ) and they also did this with an depposit back in 2014, we made a deposit back in 2014 and the amount total we put down for the deposit they said was wrong, we kept doing the math and it was correct but they kept saying no your XXXX dollars over, well 2 years later, they send us a letter saying 'we made a mistake in a deposit you made in 2014, the original deposit amount was correct so we are sending you a check for the amount that was taken out ) now the account would NOT have been closed but THEY closed it after I kept calling about the charges to XXXX XXXX and I would NOT stop trying to get the money back they allowed a company to take without permission so they closed the account said thats done ...

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