BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Transform Credit Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/09 I applied for a loan with Transform Inc. They said they could loan me XXXX which I never received. Instead on my credit report shows I owe a company called credit builders {$390.00}. 
XXXX dollars was taken out of my banking account. I reached out XXXX XXXX immediately because I wasnt sure if it was fraud. All I got was a voicemail. You can not speak to a human. So in panic I signed up for XXXX XXXX XXXX, which is XXXX a month and took me lots of time to figure this, a couple days later I did get a text from XXXX XXXX. No one at this company ever calls you on the phone. They do everything by text or email. I feel that this is a bait and switch company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried with our best efforts to communicat e to Nation Star our current mortgage is to high ( 6.68 % ) in interest alone and this resulted in a higher payment. Nation Star  has responded to this by explaining why its higher and that our income does not have any affect on the modification that was approved, however we rejected the modification and we are reques ting Nation Star consider a second offer of modification with new information submitted. We have consulted with two hou sing counselors (  XXXX  and  XXXX   XXXX   XXXX   ) both  stated we need to reject and resubmit the new information which included our obligation to pay past due s Home Owners Association dues  which was not address when we were in bankruptcy. The BK XXXX  has been completed and discharge. We are now obligated to pay {$4800.00} balance as well as replace an existing vehicle for my husband to continue to work his fu lltime job. Nations Star is now in the process of changing its name, we do not want to be stuck in a cycle and ignore while this company attempts to change its image.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've tried having this fraudulent information resolved a few times to no avail. It's preventing me from taking a step in the right direction for employment and housing. I need help ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
I've tried having this fraudulent information resolved a few times to no avail. It's preventing me from taking a step in the right direction for employment and housing. I need help ASAP.

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 2022-10-10
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: Account status incorrect

Complaint:
I disputed account balance showing XXXX in XX/XX/2022 also XX/XX/2022 as paid off. They have not removed this delinquent false information which is causing me to be denied for housing due to false information on my report reporting a balance that is not due.

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 2020-02-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fifth mediation request was denied, a letter was received on XX/XX/XXXX stating it was denied and referred to a check which was intercepted, cashed by a third party. This check appears to be a settlement offer made by XXXX XXXX to me in XXXX, XXXX. The offer amount, {$3700.00} was accepted pre-mediation, I later learned the offer was low-balled after speaking with several current and former Wells Fargo customers with lesser damages than myself. Since no payment was received, I've sent in additional mediation request forms and was recently contact by XXXX in mediation ... We spoke on XXXX, XXXX denied the offer was low-balled and did not offer any proof showing so, he also denied two additional facts which include the check forged and sustained damages including unable to open accounts with other banks due to information reported by Wells Fargo. A letter received that same day, XXXX, states information was removed from XXXX XXXX XXXX which was supposed to have been removed prior. As for the signature on intercepted check, XXXX attempted to state it is mine even though he is not a handwriting expert then contradicted himself stating I signed and cashed it into a Wells Fargo account ... The last account was closed with Wells Fargo in XXXX or XXXX, I believe. Second, I have not had an account with any bank since and have been using pre-paid accounts. Third, the limit for a check deposit with my current pre-paid account is {$2500.00}. The amount of check including estimated IRS taxes is {$5100.00}, I believe. Needless to say, it is impossible for me to deposit it. Wells Fargo rep by the name of XXXX XXXX was replying via CFPB portal and it appears another rep is now replying and still using a general form reply. This form reply states numerous attempts at resolution made, exhausted all efforts which is a lie. Neither rep has detailed one such attempt such as reaching out via phone, email, or otherwise ... I can assure the CFPB and any other third party Wells Fargo has made no attempts whatsoever. I have called their executive phone bank numerous times, reps attempt to refer me to one of the settlement sites in which case has nothing to do with Wells Fargo mediation program and is a run-around. It appears they are not at all familiar with mediation program and will not assist me by forwarding my information to someone who can. Since no payment was received and check appears intercepted by another party, signature forged, I request Wells Fargo remove information reported to IRS as I did not receive funds from check. Also, I need a mailing address to send notice of small claims suit since mediation request was denied.

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 2023-11-09
Company: EQUIFAX, INC.
State: MD
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these 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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
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:
First of all, I never applied for any accounts with XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX**** , XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : 08  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 10 XXXX   XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX****, XXXX XXXX   XXXX XXXX**** therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX, doesnt even own the account anymore. So why are they reporting on my credit. I paid XXXX the payment and the company told me the would delete the account off of my report XXXX XXXX XXXX told me me if I settle the debt they will delete the account off my credit. I paid the account but transunion keeps verifying that it is correct reported. I sent them in the documents from the company put the still refused to remove it off my report. 
I have attached a copy of the settlement paperwork

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 2023-04-26
Company: EQUIFAX, INC.
State: NC
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 recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX. Equifax, XXXX and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting Equifax, XXXX and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX, Equifax and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If XXXX, Equifax and XXXX does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. Equifax commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. Equifax is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: K STREET FINANCE, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mullen Finance, account # XXXX opened XX/XX/2018 and a balance of {$2500.00} on XXXX. 
This account is incorrectly reporting that I have 10 late payments. On my experian report there are 0 late payments being reported. I do not remember ever being late on this account. Please provide statements and records of all payments made and missed since I opened the account. This account is incorrectly being reported as a charge off account with a balance due. 
Please provide proof of the charge off and update the balance {$0.00} or delete negative payment status on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This complaint pertains to XXXX and the Consumer Reporting Agencies ( CRAs ) XXXX, XXXX, and TransUnion. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, XXXX, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities. 

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to XXXX and the CRAs ( XXXX, XXXX, and TransUnion ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered emotional distress, insomnia, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to XXXX and the CRAs 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 non-monetary relief
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Are you aware of Chase 's Pay Over Time Fee and the language that they use to describe it, and the fact that they do not provide any numeric examples of the " fee. '' I can't believe this explanation is not deemed deceptive. Fees " Monthly fee of up to 1.72 % of the amount of each eligible purchase transaction or amount you select to pay over time with no interest, just a fixed monthly fee. '' Yes I am aware of the Buy Now Pay Later schemes and I am surprised that they don't run a foul of regulations, but then I learned that they do not run a foul because of a problem with the regulation, namely that there is some short-time periods to which truth in lending rules do not apply. 

And you let them say, " Chase Pay Over Time plan balances that have a Chase Pay Over Time Fee will not be subject to interest after plan activation. If this XXXX  craziness, I don't know what is. 

Yes, I understand that Chase is trying to partition past charges from new charges and possibly eliminating interest on the new charges when there are still unpaid prior balances, but this just seems like a practice that is going to lead to some real abuse of admittedly financial stupid consumers. 

Are you going to allow insurers and others that have different premiums for annual versus monthly payments, avoid disclosures of the implicit interest rates in the monthly payment approaches? The insurers might already avoid disclosing such, but I'm pretty sure that Professor XXXX and others have criticized the insurance industry 's inadequate disclosure practices. 

Chase may not have needed your prior approval to send out their marketing literature, but I sure hope I'm not the first person to complain about this because the date of this old mail that I just opened, I'm pretty sure that Chase has been sending out such notices about Pay Over Time Fee for many months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, XXXX XXXX XX/XX/XXXX SYNCB/GOOGLE XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX CAP XXXX NA XX/XX/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 2023-07-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I originally received the debt in 2015, which was in the amount of XXXX XXXX It's been going on 9 years and Ic systems reports it as a new debt every year and I can't get it taken off my credit report. Plus the debt has grown to XXXX $ since then

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 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act 1974.

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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