BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: Integrated Recovery Services
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
my family and others received threatening phone calls, asking them about my legal assets, threatening that I did a fraudulent act, Abusive language. The people that have been calling are XXXX XXXX, XXXX XXXX. Phone number is XXXX, Integrated Recovery Services is what they go by. I have no problem paying a past debt, I just would like a validation letter and where the debt originated. I told them this, asked them not to contact me, asked them repeatedly to stop calling my family members. I have no idea how they obtained my family members names or phone numbers. I have also reported them to my States Attorney General. They have threatened to call my employer, which I informed our HR department about. Any help with this would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX / {$9300.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX / {$9300.00} / XX/XX/2021

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 2017-10-19
Company: URS Holding, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from XXXX if United Recovery Systems on XXXX and XXXX between XXXX. The call was for someone else within the household. When it was told to the caller that that individual was not available I was asked several questions as to what time she is to be home. Give another number to contact her on. Who is this that I am speaking with. I offered to take a message by which I did. I did not volunteer no further information. Received the call again. The person of interest is not in. I presented with more question give me a time that she is due to come in. Guess what time you should be expecting them. You dont have a time frame ruffly. Did you give them the message I left on yesterday? Whatever the case may be as why this company is looking for this individual when the person is not available no one should be subject to that type of questioning unless its the police. I see that as harassment and would like for the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/2019 A car loan for {$19000.00} was taken out in my name fraudulently ( wasnt me or nor did I give anyone permission to do so ) with Credit Acceptance Corporation ( Loan Account # XXXX ). During the time this loan was taken out I was incarcerated ( see attached ) there is no way I would of able to take out this loan. Ive submitted a police report, identity theft report, jail release papers, and commitment paper to show I was incarcerated.

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 2019-11-21
Company: TOWNE MORTGAGE COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were wrongfully foreclosed on. We have tried multiple avenues to save our home, and have tried communicating with the lender ( Towne Mortgage ) to try and save our home. Everytime we tried we received a short response that they will not assist us by their attorney. We did not get a fair loss mitigation review to help save our home. We have received an audit of our mortgage and there are numerous mishaps that occurred with the mortgage company. We are filing a lawsuit for wrongful foreclosure and the hardship it has caused us. We ask that they cease and desist the sale of our home until the wrongful foreclosure lawsuit is completed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, 2017 I went into Best Buy and asked an employee about financing a product. He told me that he would need my ID to see if I would qualify and explicitly stated that this would not cause any sort of hard inquiry on my credit report. Now I 've checked my report recently and I see an inquiry from CBNA/BBY - " Citibank North America/Best Buy ''. I would like to have the inquiry removed as I only consented to seeing if I would be approved under the conditions that the employee told me - that I would not see a hard credit inquiry.

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 2022-05-04
Company: EQUIFAX, 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  Accounts XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX accounts # XXXX, XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX  XXXX account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX veteran with honors and I have a great fiduciary relationship with the bank for many years until Covid-19 National Disaster impacted my life financially unemployed and they are putting me and my family in harms way. The owner of my loan XXXX XXXX  XXXX XXXX XXXX XXXX wants to foreclose despite violating Federal Debt Collections Practices act by refusing to accept {$13000.00} payment via phone on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Rushmore Loan Management Services LLC denied my loan Modification trial and misrepresented the truth that my income is {$3300.00} with low surplus still, I mailed them 45 pages of data proof and I am appealing for 5 reasons : 1. Page four of my annual profit & loss states {$4500.00} in rental income I left my primary and rented it for revenue plus I now have over {$30000.00} in my bank account ; 2. I own a XXXX condo free and clear valued at {$150000.00} and renting another one this month for additional rental income ; 3 .I have no excess obligations, no credit cards, no vehicle ; 4. I have never been approved in the past for a modification with this servicing bank ; 5. I am still Chapter XXXX Bankruptcy confirmation case # XXXX Judge XXXX XXXX and i applied for a {$55000.00} grant with the FLORIDA HOME OWNER ASSISTANCE FUND phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went through a terrible divorce, I was in an unfaithful abusive marriage and finally got the courage to leave. After starting out on my own I kept trying to get back on my feet, I was unsuccessful for a year and a half. I ended up homeless, jobless, and in turn car-less. I contacted the places I had credit through and tried to explain the situation, I had a medical bill due to the abuse, had maxed out my credit card trying to stay in horrid motels, etc. I have credit card debt, student loan debt, and a payday loan that I took out as a last resort. Most companies seemed to understand and assured me that they would n't put anything on my credit due to the 'natural disaster ' as it was put. I recently checked my credit report and it had since dropped XXXX points since this all began, in addition I now have XXXX XXXX XXXX ( cell phones ) and XXXX XXXX XXXX ( XXXX ) that I had with my ex-spouse, I guess he decided in this time, since it was in my name he 'd just rack up the charges and not pay them. Any time I contact any of these companies they are unwilling to help. My credit is completely ruined. I am barely getting by as it is now, but ca n't even obtain a small car loan because of all of this, luckily I found a house to rent from a private owner that went through an extremely volatile divorce as well. I was told to look into consolidation, but that would cost over {$400.00} a month for 4 years and would n't get rid of all of it, as far as my student loans go, I was told I 'm XXXX if they are behind in payments. I have to pay them up to date in order for them to help me.Three companies said they would help by not sending my accounts to collections but instead closed them and put it as 'charge off ' which I here is just as bad and will remain on my credit for the standard 7 years. It feels like this is a never ending cycle now. I can see why people stay in abusive relationships now because I left a negative for negative, I do n't see how XXXX is better than the other now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CITIBANK, N.A.
State: FL
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 am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. 

Dept of edu/XXXX  : XXXX this is not my account! 

XXXX XXXX XXXX : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. 

XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account XXXX XXXX XXXX : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account Citicard cbna : XXXX {$440.00} this is not my account. 

XXXX XXXX XXXX XXXX {$530.00} this is not my account Receive recov : XXXX {$1200.00} this is not my account. 

There are more than 30 inquiries on my credit profile from someone trying to still my identity.

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 2022-05-04
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XX/XX/XXXX - Navy Federal Credit Union added a " 30 day late '' on my credit report for the month of XX/XX/XXXX for a missed payment of {$610.00}. I have never been late on ANY credit card payments for ANY company. Navy Federal Credit Union never sent me an email, hard copy statement, or a telephone call saying that I owed money on my credit card statement. 

XX/XX/XXXX - I called Navy Federal Credit Union to dispute this derogatory on my credit report. I also made a dispute with the credit bureaus. The manager at Navy Federal Credit Union who took my call told me that he would take this derogatory off my report XX/XX/XXXX - I just utilized my free annual credit report and discovered that Navy Federal Credit Union never took the derogatory off of my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have obtained a copy of my credit report and I noticed that there are inquiries on my credit report that I did not authorize. This has become extremely stressful and scary considering someone has been applying for credit with my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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:
On my Equifax report, the XXXX account is old and should have been deleted. The first date of delinquency is not showing and it should show a date where tge account should have been removed. It has been over 30 days and Account is still not fixed. I am having the same issue with the XXXX account and XXXX  account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Westlake Services, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Fay servicing in XX/XX/18, that my mortgage payment will increase from XXXX to XXXX as of XX/XX/18 per terms of my modification agreement.I tried reach the account manager to request a balance status mid XX/XX/XXXX again on XXXX, I tried to contact her by phone and email to get status in XX/XX/XXXX on XX/XX/XXXX,XX/XX/XXXX, and the XX/XX/XXXX. I recevied a letter right to cure a default by XX/XX/18 the notice stated I owed XX/XX/XXXX payment of XXXX, and XX/XX/XXXX XXXX, Corporate advance Balance ofXXXX fee and I had unapplied balance XXXX. I spoke to a team member @ fay servicing he couldn't discuss any details about my account and XXXX XXXX was the person in charge of my account. After numerous attempts to contact her I recieved a noticed dated XX/XX/18 stated modification Deferment and must respond on or before XX/XX/18, in the amount of XXXX, and foreclosure proceeding will not halt unless signed and received and accepted by Fay Servicing on or before the said date XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Trying to set up my children with a XXXX XXXX card and unable to do so. 

Also, I have an issue with online payments. I pay my mortgage online every month before the XXXX, yet it does not transfer the payment until over a week later. I will be canceling my account with PNC tomorrow because of this practice. You are incurring interest on my loan by your negligence in transferring my funds in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX - Tried to apply for a loan consolidation of both federal and private student loans to hopefully lower my monthly payments between the XXXX ( currently paying {$420.00} for My Federal Loans and {$300.00} for Navient Loans ) ; was ultimately denied because debt to income, too little in the savings ( recent 1st time homeowner and I am a mother to a XXXX XXXX XXXX that I will have to start paying to put her in a preschool ) XX/XX/XXXX - called Navient to request information as to why my student loan payments continue to go up during the 2017 year. This XX/XX/XXXX payment will be the 8th time since XX/XX/XXXX that my monthly payments have increased for Navient student loans. They never send me any email correspondence or anything in writing indicating that my monthly payment is increasing. ( the only time I find out is when it is pulled out of my account ) XX/XX/XXXX/XX/XX/XXXX - applied to release my cosigner on my Navient student loans ; was denied because my " debt to income '' was too high. Also during this time period I tried to discuss with Navient to reduce the percentage of interest that keeps getting increased on my student loans and they informed me that they would need my cosigners information. My cosigner is my mother who will be XXXX XXXX XXXX in XX/XX/XXXX, she works maybe XXXX hours a week at a supermarket for {$10.00} an hour and the rest of the time she is generously helping us by watching my daughter because we can not afford to put her in a daycare program with my student loan payments/ mortgage payment/ household expenses/ credit cards/ medical expenses ( LIFE ). 

XX/XX/XXXX - spoke with them about why the interest rate increased on my student loans and Navient was very vague when discussing with me that I have a variable loan interest rate. NEVER once did they send me confirmation in the mail that changes to my account were going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: AR
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my 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 2017-10-19
Company: Experian Information Solutions Inc.
State: MA
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:
A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. Experian has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while Experian has refused to address my concerns. XXXX has provided no resolution and establish no contact to this date. Experian has been provided with XXXX report reflecting corrected information in response to identity theft.

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 2022-05-04
Company: EQUIFAX, INC.
State: TX
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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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