BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Prior to moving out of an apartment the office demanded that all payments be made to settle the account while making the monthly payment. I PAID more for the last month of the lease than I did any other month while living at that complex. After moving out of apartment complex I was charged for fees totalling almost XXXX dollars. Innitially I contacted several team members regarding this error. Explaining that all fees were settled while making monthly payment as demanded. The office refused to accept the rent check unless these fees were included with the final monthly payment. 10 days after move out i recieved a phone call from the office stating they had not recieved the rent. Explained that I had moved out please check your records and maintenance logs proving move out inspection completed. Two months later recieved phone calls stating balance remained. Each time someone said they would look into the charges, nothing was done. When directly asked to explain the charges, no one could definitively explain how the charges were assessed after move out. I have multiple emails detailing inquiries and non follow up from the office staff. 

Further this was a joint lease with a roommate. I am being assessed 100 % of the cost not 50 % through a collection agency. Upon inquiring with roommate he is also being assessed for 100 % of cost not 50 % through the same collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$640.00} Please remove/block this account as they are fraudulent & were opened without my consent or knowledge

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 2021-05-19
Company: TOLL BROTHERS INC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
TBI mortgage and specifically XXXX XXXX has held back information, lied repeatedly about policies about the VA home loan process, and has been disrespectful and rude every time I call to get an answer on my VA home loan. I've tried to get answers, documents, etc. And he refuses to work with us. XXXX goes out of his way to make buying a home hard and his distruss and unethical behavior reflects poorly on his company. Woukd like to work directly with his supervisor as this is falling in the line of Veteran discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$640.00} Please remove/block this account as they are fraudulent & were opened without my consent or knowledge

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 2022-05-20
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, FOR THE RECORD, On XX/XX/XXXX I filed lawsuit in XXXX XXXX XXXX XXXX California Division Case # XXXX against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) et. al. ( COPY ATTACHED ). 

I'm also Demanding for Cancellation and Rescission of Notice of Default and Notice of Trustee Sale XXXX # XXXX recorded on my property XXXX XXXX XXXX XXXX, CA XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX scheduled for XX/XX/XXXX. 

As of today, XXXX XXXX ( XXXX XXXX, XXXX ) has not cancelled the Trustee Sale despite the Active Federal Pending Lawsuit, Notice of Pendency of Action, and Plaintiffs Motion for Temporary Restraining Order. 


Under my private rights of action and administrative process I want to report that XXXX XXXX, has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letters over the years and one specific dated XX/XX/XXXX sent Certified Mail # XXXX ( COPY ATTACHED ). 

In addition, I never contracted with NewRez, LLC dba Shellpoint Mortgage Servicing, or XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX, XXXX XXXX XXXX at any capacity and never had any business relationship verbal or written. 

The NewRez, LLC dba Shellpoint Mortgage Servicing Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. 

Enclosed, you will find my Affidavit of Truth and Fact Notice of Special Appearance served to the above individuals and entities including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX ( COPY ATTACHED ). 

In addition, you will find Audit from XXXX XXXX and his Declaration under penalty of perjury that will confirm my above allegations ( COPY ATTACHED ). 

In Conclusion, XXXX XXXX and XXXX XXXX, XXXX, are hereby demanded to file in the XXXX XXXX XXXX XXXX 's Office a CANCELLATION OF NOTICE OF TRUSTEE 'S SALE ( Rescission ) for the fraudulent Trustee 's Sale # XXXX on the referenced Deed of Trust. XXXX XXXX, XXXX and XXXX, XXXX, & XXXX XXXX are also demanded to deliver to me a fully executed copy of the same document at the referenced property address. Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX, XXXX claims they received the following inaccurate information from Transunion which has caused me not to secure housing and has rendered me homeless. I have not given Transunion of anyone consent to share any information regarding me or my credit history. 

The following information is what Transunion reported. below :. 
Your TransUnion credit score : SCORE DATE : XX/XX/2022 TransUnion scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROPORTION OF REVOLVING BALANCES TO REVOLVING- This is a billing error since all credit is commercial and open ended. 
CREDIT LIMITS IS TOO HIGH, TIME SINCE DELINQUENCY IS- This is a billing error since all credit is open-ended there is no limit. 
TOO RECENT OR UNKNOWN, INSUFFICIENT LENGTH OF CREDIT HISTORY, SERIOUS DELINQUENCY- This information being reported is completely inaccurate

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 2022-10-14
Company: CADENCE BANK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I received an alert from my credit monitoring account that my mortgage was reported as being more than 4 payments past due, and that a payment had not been received since XX/XX/XXXX. This caused my credit score to drop by XXXX points. I was perplexed by this because my mortgage has been in a COVID-19 Forbearance since XX/XX/XXXX. I also had not received a past due notice by mail, or any phone calls regarding my mortgage being past due and in collections. According to my Forbearance agreement I am to check in every 3 months with my Loss Mitigation specialist to provide an update relating to my employment/financials. I last spoke with my specialist ( XXXX ) XX/XX/XXXX and she advised that she would keep my mortgage in the Forbearance status because the notes show that I am currently working with the TN HAF and to check back in with them in 3 months. My mortgage statements ( see attached ) from the last 3 months ( 90 days ) show the status as COVID-19 Forbearance and there have been no late fees or additional fees incurred. If I have been past due since XX/XX/XXXX foreclosure would have taken place by now. 
I placed a call to the mortgage company on XX/XX/XXXX because of this matter and was told that it was past due from XX/XX/XXXX. That can not be, nor is it the case. My mortgage has been, and is in a COVID-19 Forbearance. I have received no notice that it had ended, nor have I received the REQUIRED exit documents that should be provided once the forbearance ends. It is required by law for me to receive those documents and to establish a repayment plan. It is also illegal for the creditor ( Bancorp South/Cadence ) to report negatively to a creditor in regards to that account. The creditor has caused damage to my credit, and it will likely cause my credit lines to be decreased. I am depending on those credit lines while in this predicament. This should be corrected and updated immediately. Please note that before the start of my forbearance my account was current. 

I would also like to add that I received a call on XX/XX/XXXX from the creditor checking my status. I advised her that it was in a forbearance, and asked why she was calling me. She provided no explanation and then transferred me to XXXX. I left a message for XXXX that day, XX/XX/XXXX, as well as 3 days later on XX/XX/XXXX to see why someone had called me. On XX/XX/XXXX I learned that I had been reported as negative and upon speaking with a representative on XX/XX/XXXX regarding this issue I was advised that she was no longer there, and that her voicemails were not likely checked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
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:
This is XXXX XXXX and I am submitting a complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  XX/XX/2021. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX 2. XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-05-19
Company: SCA Collections, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have 3 accounts in collections for XXXX or XXXX XXXX emergency when I had and still have XXXX health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND WAS SHOCKED THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS FRAUDULENT ACCOUNTS REPORTING ON MYCREDIT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING MY CREDIT AS I AM IN THE PROCESS OF PURCHASING A HOME. PLEASE REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS AS SOON AS POSSIBLE.

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 2021-05-19
Company: MiraMed Revenue Group LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have 3 accounts in collections for XXXX or XXXX XXXX emergency when I had and still have XXXX health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was a XXXX student at XXXX XXXX College when they closed down making them in breach of contract. I never got to complete my degree. When we were in enrolled we were told that we would need to take out a private loan to cover the remainder of the balance. We did this and the private loan went directly to the school never touching my hands. I did not request a stipend check for living so this private loan was solely for the school. In XXXX of 2016 XXXX XXXX in XXXX XXXX closed down and left us with all of these loans. I have called the lender and they stated I would still be responsible for the loan even though XXXX XXXX was in breach of contract. I have given up so much and missed out on so much for this school. I will have to restart my program elsewhere and put my life on hold for another year or so. I do n't believe I should be held responsible for this loan at all being that it went to the school not to myself. I stopped working so I could concentrate on school I feel like I had given my all for nothing. XXXX XXXX convinced me to get the loan out. I did n't even know it was growing interest while I was still attending. I feel that XXXX XXXX breached their contract so I should not be held responsible for this loan or at least not the full amount. While I was attending school I was making monthly payments to the private loan as instructed by the school. XXXX XXXX made it known that we would not be able to attend scho and would be dropped if payments were not made monthly. I consider myself uneducated on the whole private loan and interest thing. I was supposed to finish school this XXXX. Now I am set back. I really hope that I can receive assistance on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: BANKMOBILE TECHNOLOGIES, INC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I received a text from BankMobile XXXX XXXX asking me to verify a charge on my debit card. I did not recognize the charge and logged into my account to find that several charges had been made overnight to XXXX that I had not authorized. Charges in the amounts of {$21.00}, {$100.00}, {$39.00}, and {$39.00}. I responded that I had not authorized the charges and was called by a representative of BankMobile. All she said was that she confirmed that I didn't make the charges and that I would have to call customer service about cancelling my card and getting reimbursed. I called the customer service number and was transferred twice. The XXXX person I spoke with said I couldn't do anything about the charges until they had fully cleared my bank account, but the money was considered gone and I could not access it. I asked her to cancel my card and that I wanted to speak with a supervisor. She told me that there was no supervisor to speak with. After several minutes of back and forth, she transferred me to " Rain '' who said he was a supervisor. He asked me if I wanted to cancel my card, which I had already asked three separate representatives to do. I was then told that I couldn't use the money, but couldn't refute the charges until they had fully cleared. He said I should just call XXXX and contest the charges with them because it would be easier for me to do it instead of them. I was traveling across the country at this time and was unable to use my debit card and had money stolen from me, but they said nothing could be done for at least 5 days. When the money was officially taken out of my account a few days later, I filed claims against each charge. I received an email that it would take the institution 10 days to investigate. It is now XX/XX/XXXX and I have not received reimbursement nor have I received any correspondence from BankMobile. I have tried to contact them a couple times via email to no response and tried to call again, but was put on a lengthy hold and never reached anyone. I have never had a financial institution that does absolutely nothing when their clients have money stolen from their accounts - then makes them jump through hoops to get their money back. I will be finding banking elsewhere, but I need my money to be reimbursed. It should not take over 3 weeks to get my money back.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$0.00} account # XXXX 30 days in 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 explanation