BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: WI
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 XXXXXXXX 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 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. 1681s-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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions 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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. There is a huge disparity between all 3 reports ... ... some items were removed some were not ... ... I have never filed Bankruptcy ... .I have proof from the courts that they don't supply any information to any 3rd party so were did the bureaus get this information? I am prepared to go as far as I need to get my life back together!

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 2022-12-19
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2022 I mailed a letter to all three credit reporting agencies with my current drivers license and utility bill to prove my identity and place of residence. I have both mailed and called Experian to address the matter, that the addresses they are reporting are inaccurate on my credit report, I have had no luck getting Experian to fix or update the address, they still continue to report addresses that do not belong to me.

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 2022-12-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a 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 2018-04-11
Company: Tribal Lending Enterprise, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The letter stated that I was delinquent on a loan. I was instructed to pay the amount due by the due date. If payment was not received I would be considered in default. The letter further stated that if I did not notify them within 30 days after receiving the notice that I disputed the validity of the debt or any portion thereof, the lender would assume the debt was valid. No loan information was provided in the default letter. 

I never have nor would I ever apply for a loan with XXXX XXXX XXXX, which I believe is an online payday lender. I contacted the company using the site provided in the letter ( XXXX XXXX XXXX XXXX ) using the Contact Us feature and notified them that I did not apply for loan through nor did I receive funds from their organization. The organization did not accept my notice that the debt is not valid. 
In follow-up correspondence that I received, the following information was included regarding the invalid debt. 

Customer Information Loan Information Original Amount : {$1000.00} Fee on Appl. : {$300.00} Payment Due : XX/XX/XXXX Application Date : XX/XX/XXXX Origination Date : XX/XX/XXXX While my social security number and address were correct, all of the other information provided by XXXX XXXX XXXX is not. More specifically, phone numbers, e-mail, payroll, bank, and employer information is not correct. I do not have a XXXX XXXX  XXXX account nor have I ever worked for XXXX XXXX XXXX XXXX XXXX failed to do its due diligence ( e.g., credit bureau report ) that would have confirmed that I am not the borrower. 
My situation is identical to the allegations, more specifically Collecting loan payment which consumers did not owe, noted in the action taken by the CFPB against XXXX XXXX XXXX on XX/XX/XXXX. 
I did not apply for a loan with XXXX XXXX XXXX. I did not submit any of my information to the organization nor did I sign any loan documentation. This company needs to be shut down for its inability to confirm the identity of its borrowers and aggressive collection efforts against individuals that I have not applied for credit with them.

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 2020-12-31
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This whole case with XXXX XXXX XXXX is nothing but a fraud. They have put on fraudulent get bill to me for XXXX dollars that falsified the document. If you look at page one on the documents that I have posted you will see a total of XXXX XXXX them. If you called your document number 2 you'll see that the carpet charges and all the relevant charges that should have been presented correctly or not balance balancing out on the payment. They do not have billing statement showing the charges for the maintenance supposedly that I have doja the apartment. I want these documents overlooked again and I want this case dismissed with XXXX XXXX  XXXX immediately. I re filed for another case and then this issue it will be dismissed without prejudice. I'm gon na continue the fight it as long as I can get these people in trouble for what they've done to me and trying to wreck my credit and financial stability. XXXX XXXX is a XXXX neighborhood lousy service lousy plumbing and they don't do anything for the residents there. there's dog XXXX all over the place and you don't have any parking for your vehicle. XXXX XXXX damage done to the vehicles that are parked in their parking lot and it's just a big mess over there in the only way that they can make any money is to just raise around and not do the maintenance period

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A few weeks ago, I disputed a XXXX charge to my Bank of America debit card in the amount of {$40.00}. My reason for the dispute was because I had cancelled the ride and, therefore, did not use their service. The Bank issued a credit while they investigated my dispute. Yesterday, the Bank debited my card for the {$40.00} and when I called to find out the reason, they said they had not received a response from XXXX and was going to go ahead and charge me the {$40.00}. How can they charge me the {$40.00} because they did not get a response from XXXX?! Also, I still havent received any response from another complaint ( # XXXX XXXX against them, and now this issue has arisen. I am going to close my account with Bank of America because they are no longer acustomer/consumer-friendly institution, but I need these issues resolved first before I can move forward.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It has been brought to my attention that you are not blocking file 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. If you choose to not block the items 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. Please remove/block the items as they are fraudulent XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  IN XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS makes it extremely difficult to SLS makes it extremely difficult to contact a representative regarding getting an extension on my mortgage loan due to economic hardships doing Covid-19. SLS locked me out of my home and put a lockbox on it. I had to spend several hours on the phone to get this straightened out. On XX/XX/20 I contacted SLS because I received another letter. I was disconnected twice and spent 2 hours speaking to four different representatives. I was told that I needed to download a 18 page application. I was told very harshly if I didn't pay my XXXX payment I would be reported to the credit bureau. The only representative that showed care was 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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-08-15
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:
In accordance with the Fair Credit Reporting Act. XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX violated my rights 15 U.S.C 1681 Section 602 A I have the right to privacy 15 U.S.C 1681 Section 604 A 2 It al so states a consumer reporting agency can not furnish an account without written instruction

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 2022-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I applied for auto refinancing through Bank of America to refinance a loan held by another lender. I applied for this loan online and was initially given a message saying they needed more information. I have a fraud alert on my file, so this is quite common and I am used to it. 

The following XXXX  I get a call from them but I missed it. I called back, and resolved the hold on my application by verifying my identity. Shortly after, I get an email and an automated call saying I am approved. The automated call connected me with an agent whom went over the APR, payment amount, and other terms of the loan with me. I was also sent an email with a link to start uploading the necessary documentation. About 25 minutes into the call, I was informed that they were unable to verify my identity and had to give me an adverse action notice. 

I was extremely confused because it was my understanding I had verified my identity. I had also already been given terms, and official approval documentation. 

I spoke with several other agents who informed me this was a final decision and I would have to reapply if I wanted to be considered. One agent informed me that this was due to the fact that I was not already a Bank of America client. However, this was false. I have a previous active auto loan account with them. 

They will not honor the official terms and approval I was given and told me I would have to reapply. This would put another unnecessary inquiry on my credit file and require me to go through the process again. With no guarantee the same thing wouldn't happen again.

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 2023-02-21
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have asked Mr Cooper since XXXX of last year to provide information to sell ( property has insufficient collateral for the amount asked prior ) and to refinance my house, mr cooper  has declined to collaborate with the courts and with the title companies and with the contracts pending. 
We are asking for verbatim from underwriting " Good afternoon, XXXX, Just wanted to provide a quick update - Underwriter has reviewed your file and is requiring the following additional items : XXXX ) Title shows a current XXXX on the property with Nationstar Mortgage. We need a copy of the most recent, full, mortgage statement in order to obtain a mortgage payoff demanD statement and a XXXX of Mortgage request - or - have Nationstar mortgage send to us directly ''. 
Please provide that documentation to the mortgage company and us  asap. It seems that the attorney that speaks for Nationstar is conveniently delaying the process so that he can cash the equity of the senior and all her livelihood in social security exempt funds that the bank already got. 

We need to settle this once and for all because it is causing emotional econmical and other harm to an innocent purchaser of value. 
Here is the address of the " department '' we spoke for misapplication of the payments that XXXX XXXX sent and got cashed by Mr Cooper  and they hold the cash but not applied to the XXXX debt of XXXX. Apparently there is another second loan statrted in XXXX with non owners and people who are not in equity in this property that gave rise to a wrongful foreclosure. 
We need to settle and move on. 
Here is the department we spoke with Nationstar Mortgage LLC Its Successors and/or Assigns ( XXXX ) XXXX XXXX XXXX XXXX, OH XXXX We have been on equity title since XXXX. Over 14 years and the debt was not paid since XXXX. Teh debt was created without our knowledge and consent on the peroperty but we want to settle and move on. Your attorney pursuit the wrong person for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2020 I canceled a transaction of {$180.00} but I never receive it back the references is XXXX The receiver was XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX My email is XXXX My phone number is ( XXXX ) XXXX XXXX regard

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WY XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit control has been sending continuous calls, letters claiming that I owe them money. I have sent them continuous letters via email and mail in which they have not responded to any of them.

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 2022-11-28
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Date : XX/XX/2022 Time : XXXX Amount : {$6.00} Website Given : XXXX Date : XX/XX/2022 Time : XXXX Amount : {$4.00} Website Given : XXXX This one gave a fake fraud number : ( XXXX ) XXXX I checked my account on XX/XX/2022 when I noticed I was missing money. Upset, and trying to figure out where it went. I called my cards customer service number and they gave me all this info I'm sharing with you. The top one is a dating site. The last one, I have no clue. After contacting both, the date site wouldn't reveal who it was. The bottom, they wouldn't reveal and gave me another customer service number that were supposed to be to the fraud department. Instead, it was to some XXXX XXXX customer support. The number given was ( XXXX ) XXXX. They kept avoiding my questions and trying to get more personal info I would not share.

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