BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because my requests have been ignored by Equifax. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This account has been disputed several times with all credit bureaus and each time the account is deleted because it was opened falsely form identity theft. Unfortunately, the account continues to report false and negative information even though this account is more than 7 years old.

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 2020-10-31
Company: WESTERN UNION COMPANY, THE
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I made a money wire via my XXXX credit card for XXXX $ to a friend in XXXX using Western Union via their website- I opened an account for myself with them today just before this transaction 2 transactions were charged on my card instead on the single one I made. 
My bank thankfully caught that and cancelled the second fraudulent one. 
Western Union was showing both in their system as they were made by me. I had them cancel my account for safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: Capital Management Services, LP
State: MN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and I do not owe for this debt. A representative from Capital Management Services , LP continuously called me back and informed me that the FBI would arrest me and I would not be able to get and bank loan or federal student loan from the government ever again, if I do n't pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-02-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Loan Servicing is using insider relationships with its crooked law firm XXXX XXXX who is training fairly new lawyer XXXX XXXX to assist the pretender lender loan servicer with embezzlement white collar crimes so the pretender lender loan servicer can temporarily increase its revenue.. I will be filing a lawsuit again XXXX XXXX law firm and its crooked lawyer XXXX XXXX for assisting with fraud claiming to have looked at all the documents having personal knowledge using its cozy relationship with XXXX threatening me with trustee sale coursing me into hundreds of thousands of dollars in fraudulent increased modifications releasing Ocwen from liability denying me to have any rights to discuss Ocwen white collar crimes with Congress and others, attempting to trap me into a cornier during the time I was under physicians care. I have already consulted with personal injury lawyers who are currently working with authorities and my physicians on my matter preparing to file action against XXXX XXXX. I will never lay down to Ocwen white collar crimes and its shady relationship with XXXX XXXX who is assisting with embezzlement which has caused me and my family serious permanent extreme harm which can not be reversed.

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 2022-08-04
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
in XX/XX/2022 Navy Federal has written off the alleged debt of {$15000.00} as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site Navy Federal are to File a 1099c for any amount over {$600.00} and send the consumer a copy of the filed form. 

Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. 

I want this matter investigated immediately. 

I will not hesitate to reach out to the IRS and TIGTA to do an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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:
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 reciept of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Fair Collections & Outsourcing is currently reporting a collection account on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. I was never given a XXXX to dispute the alleged account as well. This account does not belong to me and should not be reporting on my credit file

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Inaccurate information on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Acima and XXXX  are trying to collect XXXX when they delivered item in the middle of my living room floor I requested them to come get the item in witch they damaged. They offered a XXXX dollar credit for damages. So I said ok but they need to send someone to move the item because I am handicap. They sent someone to mover the item and pick up the water hose since there was no hook up. I was told once they returned they would refund XXXX for the hose. They came took hose but never moved the fridge. I then called conns who said they cant pick item up I need to call acima to pick up. Acima refused to pick up item because they had no one in area to do so. So acima then made a settlement deal for XXXX. I accepted the deal in witch I told acima I had made a payment and was owed a XXXX credit so I would only owe around XXXX. The gentelman on a recorded call said so you owe XXXX I will put that in the notes thats all you owe. Remind you calls are recorded. I said ok when I called to make a payment they told me the settlement amount wasnt allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received several emails from Wells Fargo saying they have received my application ( XX/XX/22 ), next steps in application ( XX/XX/22 ), and access your documents/welcome to Wells Fargo your account has been approved ( XX/XX/22 ). I did not have any contact or try anything with Wells Fargo so this is a case of fraud. I called Wells Fargo and they agreed an account was open in my name and they closed it down right away.

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 2022-07-12
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:
I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone opened MACYs credit card under my name ; that person charged {$1700.00} on XXXX XXXX. 
i sent letter to Macys. I received letter from Macys on XX/XX/2020 -- stating they received my fraud claim, but they have not completed investigation yet.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Inaccurate information on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the numerous written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite numerous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Also, I received a letter stating I contacted transunion to add a 90 days initial fraud alert on my account. That is a LIE because I never contacted anyone, I have only been disputing the unverified accounts so you decided to place the alert on my behalf without my consent, which is against the law. I am requesting for the fraud alert to be removed immediately I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Suntrust XXXX Unverified Account

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 2015-12-15
Company: TRUSTMARK CORPORATION
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
trustmark bank holds my note as a mortgage, for several months ive ask trust mark to explain why it is why every single month im stuck with a late fee, and no one that works for the bank does not want to explain why my im it with late fees, and my mortgage increases every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I had a loan modification with wellsfargo I went to court in city hall they put the 2 years I was behind on the back of my mortgage in XXXX I was 3 months behind on my mortgage again i made all my trail payments for 3 month so wellsfargo went back to my loan modification from XXXX and told them I was XXXX back on my mortgage after I had already settled my XXXX issue I was only behind 3 months so fha.paid the money and put XXXX lean on my property and I discuss this back and forth for 2 years then they switch my mortgage to XXXX XXXX XXXX XXXX wellsfargo has me in over XXXX In debt and after they paid XXXX XXXX they still didn't remove the balance

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Inaccurate information on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I was XXXX ( XXXX ) I applied for a student loan with my grandmother at the cosigner. After the four years, and having not graduated from college or benefiting from my student loan, I began to make payments on my loan. At first it was n't bad and was very affordable but over the past three years, my monthly rate has more than tripled. No matter what I have done or tried, they wont work with me. I have called nearly every month for a year, asking them every time if they could lower my rate and each time they have basically told me that they ca n't do anything and that it sucks to be me but I am going to have to come up with the nearly {$500.00} a month to pay my student loan. The rate they have me paying is about half of my monthly income. Add that to {$200.00} in rent plus my other monthly bills and basic living needs and I would have been left in the negatives every month. There was no way I could afford to make that payment. Because of this, I have been stressed for the past XXXX years and have XXXX and XXXX to the point where I now have to take medicine to function normally throughout the day and a different medicine to get rid of my anxiety and relax me enough to fall asleep. 
I have now defaulted on my student loan and have been told I could settle for {$35000.00} or I can pay {$9000.00} upfront and then make payments but the amount that I can afford wont even cover the interest on this loan. 
I 've run out of options and I am searching the internet for any sort of help available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced a house in XXXX of XXXX. Our Bank of America mortgage was sold at that time and the account closed. As of XXXX XXXX they are still reporting late payments. The account even says closed XXXX. We discovered this in XXXX of XXXX and asked them to accurately report. They have not done so. I am trying to purchase a new home and this is still an issue. They wo n't return calls or fix the 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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  / XXXX  Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  XXXX  # XXXX 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

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 2015-08-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am trying to get a HARP Loan from XXXX, but my equity loan is with SunTrust. 
This problem between the XXXX banks has been going on since XXXX 2015. 
SunTrust was supposed to sign a Subordination for my Equity Loan. 
I sent my check on XXXX XXXX for {$250.00} with the paperwork from XXXX bymail to the bank. Three weeks later they did not receive it. I then tookthe paperwork and new check to the bank and gave it to the branch Mgr, XXXX XXXX. 
I just received another letter saying that the they would not sign thepaperwork because they did not receive the check or paperwork. I havecashed check! It was cashed on XXXX XXXX. XXXX said they could notaccept the canceled check I had in my hand! This is the bank thatactually cashed the check out of my account. So once again I went to thebank and handed a new check and paperwork to XXXX XXXX XXXX XXXX Florida. This again is holding up the HARP loan from XXXX. 
It 's been 4 months because they have either lost or ca n't keep theirpaperwork in order. Then they sent me a letter saying they did n't think Icould meet my financial obligations. Which I have been doing for thepast 20 years and my FICA score is XXXX. Then they sent me theMISSING check back in the mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
File a dispute through my credit monitoring company XXXX to remove a SunTrust Mortgage account that was first delinquent 7 years ago. SunTrust Mortgage responded that information was being reported accurately. The issue is not accuracy but age. The SunTrust Mortgage report list the subject account a a " XXXX '', which is defined as XXXX days past due in XXXX of XXXX. It was therefore past due in XXXX XXXX. Since this was 7 years ago the account, by law, should be remove when requested.

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