BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I entered into a Mortgage application, loan # XXXX, with Bank of America XX/XX/2016. All documents and conditions were submitted and met in a timely manner. XXXX major conditions include paying off a $ XXXX car loan and obtaining a property appraisal for our current home in order to satisfy their rental property requires. In total we paid close to {$900.00} in appraisal fees. Our application was denied one day before it was scheduled for final approval. No one in the loan and underwriting department can give me an answer as to why my application was denied. A letter came in the mail three days later with an bogus excuse that my loan was denied because the bank can not verify my residency. Although all my document submitted reflects my home address : tax returns, property tax statements, bank statements, passport and mortgage loan statements. No other details were provided on how they reached their denial decision. At this point I 'm out {$900.00} in appraisal fees and the mortgage rate has gone up by .25 % ; I 'm scrambling to get a extension on my purchase contract and shop for a new loan. There are no recourse for me as borrower and no repercussion for the Bank when they pull a stunt like that.

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 2022-08-18
Company: Resurgent Capital Services L.P.
State: TX
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 was over looking my credit sometime back and noticed that this account was reporting. i mailed out letters to said company ( lvnv funding llc ) and asking to prove how they validated the debt and to send me a copy of items use to do so. never did i get that. i later contacted the credit bureau to do the same. they only said that the company verify the debt. my question was how. at the point i'm stuck. so i tried again and this time i called the company and a csr stated that this was a debt. and i told her i understand how ever its not my debt and that if she could please provide me with documents show how its verify and valildated and she said she didn't have anything other that policy of the credit card. i then told her that does not make me the owner of the said debt. the have not shown me how this my debt but yet they keep posting the debt. please i am asking that they remove the item. also i ask the csr that i was speaking to if i needed to contact XXXX XXXX XXXX she 'told me no '' because they no longer own the debt listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: LEXISNEXIS
State: TX
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company repeated calls the County of XXXX XXXX toll free number asking for individuals of a personal nature but they speak in XXXX. This has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that the accounts on my credit report was still incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected immediately : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$12000.00}

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 non-monetary relief
Consumer complaint received 2015-03-24
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great! 

XXXX months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of XXXX has this so called debt now. I submit another dispute with TransUnion and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt. 

During the investigation, XXXX could not verify the debt and sold of the debt to a new collection agency, AFNI INC. That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again. 

My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change. 

Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: MA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 natural person. I am a living, human being, I have rights under 15 USC 1681. 
XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the account listed below be removed, because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

1. XXXX XXXX XXXX ( XXXX ) for XXXX XXXX. I have been fighting this debt forever, as it is not even mine. 

I was a victim of XXXX Data Breach in 2017 and believe accounts were opened in my name. These need to be removed immediately.

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 2016-07-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have written and contacted Equifax so many times, and their most recent XXXX involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a lien release from the State of California. XXXX has reported it as " released '' for years. Equifax refuses to indicate " release '' on my report. I have tried contacting them directly and get nothing but a runaround. This is my last stop before I hire an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
1. XXXX. XXXX. I cancelled their service because it was bad. I returned the receiver via XXXX and now there is a {$470.00} or more charge. 
I need it to come off because it has dropped my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I apologize but I received an updated status on my credit report regarding my XXXX XXXX XXXX XXXX dispute with Experian. XXXX XXXX XXXX XXXX sent a letter to Experian, the XXXX  and myself stating that I paid off my loan on time. Instead of Experian changing the inaccurate information they added that I failed to make my payments several times instead of one 30 day late payment as reported earlier. They decided to also add a Status that states that the account was a insurance claim or a military/government claim that ended in default! None of this is true. I am so stressed out about all of this because I have been trying to get Experian to rectify all the inaccurate information on my credit report since 2021. I am starting to feel targeted because I have refused to give up on trying to get my credit report fixed. Please Please help me with this issue.

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 2017-02-17
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I attempted to make a withdraw from a Regions ATM in the amount of {$280.00} from an XXXX XXXX XXXX card. I use this ATM several times a month in varying amounts without issue. Today I received an error message after submitting my withdrawal and I was not given the cash requested or a receipt. My XXXX account was debited for {$280.00} to include the fee charged. After contacting Regions about this issue, I was told they have no record of the transaction and would not be able to assist me whatsoever. 

Their ATMs error is costing me considerable financial strain. I needed this money to pay my car payment which will now be late and runs the risk of repossession.

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 2015-08-25
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I received a text message from XXXXXXXXXXXX which stated " no subject / USBank-UrgentNotification.Call : XXXX XXXX XXXX XXXX ''. I called the number and it asked for my social security number right away after saying it was US Bank. I did not enter my social security number. Instead, I called US Bank directly and spoke with the card services department to see if there was anything suspicious going on with my debit card. I was asked the last time I used my debit card and how much I spent at a particular store. There was no fraud or holds on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I made a purchase online on XX/XX/2016 from XXXX in XXXX. My credit card was charged the day I made the purchase. I cancelled the order on XX/XX/2016, at that point no goods had been shipped to me. On XX/XX/2016 I disputed the charge with my credit card company Citibank. Citibank placed the money back in my account. Then on XX/XX/2016 Citi reversed the credit because they claim the merchant refuted the dispute. The merchants response that Citi forwarded to me is simply the merchants return policy, it has nothing to do with this specific case. I have contacted the merchant several times and they claim they did not refute this claim. They have attempted several times to refund the charge. I have talked to the Citibank dispute department multiple times and they say that it is up to the merchant to refund the money, there is nothing they can do. 
On XX/XX/2017 I filed a complaint regarding the merchant with the XXXX of XXXX concerning this claim ( ID XXXX ). The merchants response to the XXXX was " I have talked to this customer multiple times and explained that I am not able to refund this transaction because he filed a chargeback with the credit card company and the money has been taken from us already. This is something he needs to work with his credit card company on. I have talked to our processor and there is nothing we can do. It is out of our hands. '' Based on this it appears that Citibank withdrew the money from the vendor yet did not provide a refund to me. Citibank continues to tell me there is nothing they can do.

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 2015-08-14
Company: Pressler & Pressler, LLP
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The only reason i knew of this debt was in existence was when my bank account took a hit and was marked frozen. I was never contacted or pursued. They sued me in Nj. I was informed it was a XXXX account from XXXX acquired by them in XXXX. I was told that XXXX was a client of theirs and i would have to prove a case of identity theft and submit an affidavit of fraud, a police report, and proof or residency from XXXX - XXXX. I feel im being put trough a wild goose chase to prove this is not my debt. I have not lived in the state of Nj since XXXX. I find it is nearly impossible to provide such information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}

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 2020-01-18
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I'M A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION WITHOUT ME : I want to remove this accounts, please dispute this accounts because it's a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Seterus, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Inc. A home loan servicing company, states that I have a deficiency of {$890.00} When I call their XXXX The people that answer have no idea what is going on. They say that I am behind on my impounds, but can not actually prove it. They continuously refer to the " Escrow account projections '' for the next 12 months. Yet my numbers clearly show that the payments I make more then cover the P & I as well as the impounds. When in actuality I have over paid them in the past 3 years {$350.00} towards impounds. After explaining this, they tell me that I have a deficiency from a couple of years ago. Again I ask for specifics and they can not supply them. 3 out of the 4 times I have called Seterus, the representative gets very short with me, treating me as if I do not know what I am talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: CORELOGIC INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit history request- never authorized, company not recognized

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 2016-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX Court.

Company response to consumer: Closed with explanation