BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: Home Loan Center, 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: Credit inquiries on your report that you don't recognize

Complaint:
A mortgage company called Lending Tree is claiming that they assumed I authorized them to run a credit check /pull credit score by hard checking. I am absolutely sure that I did not do any such thing because the company didnt seem credible enough anyway. They have no proof of my authorization in any way. I am requesting that you take action against this fraudulent practice who are abusing their actions. This could impact my credit history in the future and it has in the present. Please please do something, I do not want any identity theft or other such criminal offenses happening with me. I will in no way pay for any misuse of my information that this fraudulent company has. I am sure this is an illegal offence. I want them to take responsibility for this action and make sure my social security is removed from their files/systems etc. how can they claim I gave then my SSN when i did not! I want proof, I am a 1000 % sure I did not. They are scamming people. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly contacted my Servicer, with the desire to resolve and settle my account. My current Servicer was also at one time the owner of my mortgage. I have received the " run around '' to say the least. Complaints that I have filed with CFPB have been answered insufficiently, with answers that are either incorrect and/or do not apply to the issues. On XX/XX/XXXX, Mr. Cooper Associate, XXXX XXXX, replied to the complaint which I filed on XX/XX/XXXX. The complaint was regarding Nationstar/DBA Mr. Cooper and previous OWNERS of my mortgage who have not sent Welcome and Good-bye letters when my mortgage changed OWNERSHIP, as required by the Truth in Lending Act, 15 U.S.C. 1641 ( g ) Liability of ASSIGNEES states requirements for OWNERS, ASSIGNEES, AND CREDITORS of the mortgage. In her response, Ms. XXXX stated the following : " Our records confirmed that XXXX XXXX XXXX  XXXX XXXX has been the active owner of the account since XX/XX/XXXX ; therefore, no notification regarding the change of the owner of the Note as the owner has not changed. '' This is inaccurate information, as proven by attached Assignment of Mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to documents recorded with my local County Clerk, Nationstar Mortgage LLC/DBA Mr. Cooper was the owner between the dates of XX/XX/XXXX and XX/XX/XXXX. I contacted Ms. XXXX by email on XX/XX/XXXX, asking her to address this incorrect information, along with other issues. I have still not received a reply. I am attaching the email which was sent to Ms. XXXX. Ms. XXXX also stated that after reviewing my account, it was found that the account originated on XX/XX/XXXX. I have also inquired as to who the account originated with according to Mr. Cooper 's records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: B&B Funding, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
B & B Funding contacted me in XX/XX/XXXX. Stating that they are going to foreclose on my property for a second mortgage that wasn't paid. I was advised that the second mortgage was charged off by the original lender. This was back in XXXX. I didn't hear a word from anyone regarding that second mortgage until XXXX. I thought it was canceled. The person I spoke to said I had to sell my property before they foreclosed on it. The person I spoke to wanted proof I had put it up for sale on the real estate market. He had me send him a picture of the listing, whish I did. He also said the property needed to be sold by a specific time frame. My property sold for {$500000.00} ( XXXX XXXX XXXX ). B & B Funding took {$220.00} ( XXXX XXXX XXXX XXXX XXXX ). The rest was paid to the first mortgage. I received a small amount. I was not aware of this bureau ; I would have contacted you if I was aware of this bureau. I believe it is a zombie mortgage. I was force to sell that was so UNFAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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 Account # XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/XXXX to XX/XX/XXXX of XXXX wells fargo charged unlawful fees on charges that weren't mine. When I would dispute them they wouldn't even look into it. That cause major overdrafts as well as insufficient funds

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 to dispute fraudulent inquiries on my credit report, which I firmly believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ), a federal law designed to ensure the accuracy and fairness of credit reporting. Upon reviewing my credit report, I have identified several unauthorized inquiries that I did not authorize or consent to. 
The FCRA, under Section 604, grants consumers the right to receive disclosure of information in their credit files upon request. As such, I am formally requesting a complete and accurate disclosure of all the information in my credit file, including the nature and details of the fraudulent inquiries, as required by Section 609 ( a ) of the FCRA.

Furthermore, Section 611 of the FCRA allows consumers to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and requesting a thorough investigation into the fraudulent inquiries in question.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand that you promptly conduct a diligent investigation into the legitimacy of these inquiries. This investigation should include verification of the authorization obtained from me or any other appropriate documentation proving the legitimacy of these inquiries.

In accordance with Section 611 ( a ) ( 1 ) ( B ), I request that, upon verification of these inquiries ' fraudulent nature, you remove them from my credit report immediately. Additionally, I expect you to notify all three major credit bureaus, namely XXXX, XXXX, and TransUnion, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. 
I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ).

Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.

I have enclosed a copy of my credit report with the suspicious inquiries highlighted for your reference. If any additional information or documents are required to facilitate the investigation, please inform me promptly.

I trust that you will handle this dispute with the utmost seriousness and in strict adherence to the provisions of the FCRA. I expect a comprehensive investigation and a swift resolution to correct my credit report accurately.

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 2023-06-06
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the company the debt they alleged that I owed so that I can get approved for housing. In an attempt to secure a rental, I paid Rent Recovery Solutions as they promised to delete the collection upon payment. However, they reneged on our agreement, claiming that I did not use their preferred payment method, which was not disclosed beforehand. I lodged a complaint and requested to speak to higher management but received no response. Instead, they retaliated by falsely reporting that I had stayed at the apartment complex 's second property across the street and owed a balance to that property ( XXXX XXXX  XXXX XXXX ), which I never stayed at as I stayed at XXXX XXXX XXXX XXXX while failing to report my payment. They also listed two evictions, one of them being from the property where I never resided. I have sent multiple certified mail and return receipt letters to them that were signed that they were delivered yet they keep ignoring me. They are still attempting to collect a debt I have already paid by using deceptive, misleading, and unfair practices. For a satisfactory resolution as far as with what the CFPB can help with, I would need a permanent deletion of all accounts they are reporting to my rental and credit reports ( including the minor ones ) immediately. This is only fair as I have already paid and I need to secure housing within the next few months and fear homelessness due to continually being denied. Rent Recovery Solutions ' also lacks a debt collector license, as required in North Carolina that they are to have BEFORE attempting to collect this debt from me. Despite my request for verification of their license and license number, they have failed to provide this information. Collecting debts without a license is a felony in North Carolina. This is pertinent information about suspected illegal business practices being conducted by Rent Recovery Solutions that may be affecting the general public. I am including a letter in the attachments with more detailed information that will not fit in this box.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries 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 2018-02-13
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent a letter to Experian after I noticed a bankruptcy being reported which was inaccurate. ( see attached ) Experian responded on XX/XX/XXXX saying that " the credit grantor has verified its accuracy. '' ( see attached ) The credit grantor is listed as : XXXX XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I wrote a letter to the XXXX XXXX XXXX ( see letter attached ) asking them to provide me the following information : " I am looking for information with regards to bankruptcy filings. Can you tell me what the process or method the court uses to " verify '' bankruptcy information with the credit reporting agencies such as Experian, XXXX and XXXX? How can these agencies claim they verified my information with the court and what information does the court share with the credit reporting agencies? '' The clerk of the court responded ( see letter attached ) that " the XXXX XXXX XXXX XXXX does not report information to or remove information from the credit bureaus. '' Therefore Experian is reporting INACCURATE INFORMATION ( 1 ) that the XXXX XXXX XXXX furnished and verified the information when the court clearly stated that they did not report this account to Experian! 

When I look at my credit report, it tells me the name of the furnisher of the information. That may be  a credit card company, auto lender, mortgage lender and sometimes collectors. Experian is saying that that courthouse or recorder, or whatever, is furnishing the information and the court is saying they DID NOT furnish the information. Experian is telling a bold-faced lie. 

I contacted 4 third party companies whom Experian claimed they get information from : XXXX, XXXX, XXXX and XXXX and they advised me that ANY INFORMATION THEY HAVE ON ME HAS BEEN FROZEN WITH A SECURITY FREEZE, therefore they could not have reported any information to Experian. 

Please see a copy of the Experian credit reports attached for your reference.

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 2023-01-20
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: PRESTIGE FINANCIAL SERVICES INC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We financed a car with Prestige Financial in XXXX of 2014. We have paid somewhere around 25k for a XXXX car and they say we still owe almost 8k. Is an almost 50 % interest rate legal? Because thats what it will be after we pay all the payments. XXXX for a XXXX car. I dont know how it could possibly be that much and it be legal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX Bank of America charged a rush replacement fee for sending my debit card. This was because fraudulent activity on my wife 's card ( same account different debit number ) resulted in the associate accidently cancelling my card instead of hers. I was offered free rush delivery to make up for the mistake, but was told " you will receive a {$15.00} rush delivery fee on your account, call back when you receive your card and we will waive the fee. '' On XX/XX/XXXX. I still had not received the card. I called explained the situation to the associate who assured me they would rush another card to a different address to ensure I receive the card. I was told the first rush delivery fee will be waived and again " call back and we will waive the rush delivery fee '' This second fee was charged on XX/XX/XXXX. I called back on XX/XX/XXXX and was told the fee would be waived and it would take approximately 5 business days to appear on my account. On XX/XX/XXXX I called customer service asking why the fee was not replaced on my account as was told " the second fee went under review and your waiver was denied and once fee review decision is made it is final '' I talked to a supervisor and customer service manager XXXX who refused to give me a reason why it was denied the second time and intentionally casting the review process as omnipotent while keeping the specifics of what exactly was disputed opaque. The manager refused to acknowledge the contract made when the associate told me over a recorded phone call that the fee would be waived on all occasions and that I certainly would not have bothered with rushed delivery if I was not told that it was being given to me free to make up for the inconvenience of going on from XX/XX/XXXX without a debit card. The manager refused to provide further contact information to dispute the fee saying flatly " the fee is not getting waved '' and going so far as to obviously lie " the computer system has denied the waiver and it can not be changed. '' I understand that the {$15.00} fee may seem trivial, however, I think this case is quite extraordinary in how blatantly unethical it is -- violating a guarantee given to a customer and going so far as to almost flaunt how powerless I am to appeal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I don't exactly remember the exact details, but a XXXX XXXX XXXX kept charging my account, and because of the several attempts made I owed closed to a {$1000.00} in fees. That, of course, was after I had made an agreement to make payments to the Company. I believe the Company was either XXXX XXXX, or XXXX XXXX. I don't remember.

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 2023-06-06
Company: Zions Debt Holdings
State: TX
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authority, used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for furnishing this unknown account on my credit report. This information has caused me to suffer monetary losses and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, 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 applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX XXXXXXXX and I saw various items that had been open from XX/XX/XXXX-XX/XX/XXXX and one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation