BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received an adverse action letter from XXXXcredit, who had run a check on my credit on XX/XX/21 when I applied for an auto loan. I went to experian.com, signed up for an account, took a look at the information there. What I found was that Experian does not have just one score they give to everyone who runs a credit check. They have one they give a lender when you apply for a mortgage. They have one they give lenders when you apply for an auto loan. They have a third one they give lenders when you apply for a credit card. And they have a 4th one, called the XXXX, that they give to consumers who log onto their web site and view their credit score. Gosh knows how many more numbers they generate on you. 

The XXXX has an XXXX point scale. The auto score has a XXXX point scale, they're not even the same numbers. To tell a consumer their number is X, and tell a lender it's Y, is, in my opinion, fraud. 

I don't want to see the XXXX, I want to see exactly what Experian gave to XXXXcredit when I applied for the car loan. I called Experian and said that was what I wanted. They told me I had to have a premium account on their web site, which I had to pay for, to see that info. I insisted it was within my right as a consumer to see what they were telling lenders, not just what they felt like telling me. The agent hung up on 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 explanation
Consumer complaint received 2023-11-29
Company: ALPHA MIDCO INC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told this was an attempt to collect several different medical debts that XXXX  sold it to some place called sapientes funding to cover up that it was medical related, who then handed it over to XXXX XXXX XXXX to handle. These debts were paid by insurance and all copays were paid. There should be no debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a XXXX Military XXXX/XXXX who temporarily lost my source of income after becoming XXXX, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to XXXX ( A Failed Bank ) and XXXX XXXX XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, Office of XXXX Adjudication and Review, OPM XXXX Retirement Specialist, Department of Veteran 's Affairs and XXXX County Appraisal District and IRS regarding my Application/Approval for Residence Homestead Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( 6 ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX ( Office of the Consumer Ombudsman ) seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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 XXXX XXXX Account # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-03-01
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:
FCRA Violation : name and address not mine 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 FCRA Violation : other loan not mine XXXX XXXX, XXXX {$3000.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX {$350.00} XXXX XXXX  {$200.00} XXXX XXXX {$230.00} XXXX XXXX {$2300.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$69.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$110.00}

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 2023-11-02
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:
Please refer my previous CFPB complaint XXXX XXXXXXXX on XXXX XX/XX/2023 I opened Bank of America Adv SafeBalance Banking checking account few days back with a promo code of {$200.00} cash back in case within 90 days I had a direct deposit of {$2000.00} or more. It end in XXXX. In response to that Bank of America stated that promo code is not applied. 

Well that's not the case - attaching the screen shot. 

I also don't know what is the minimum balance to keep in this account to avoid any sort of penalties or fees. Called Bank of America- they have a stupid robot which doesn't let me breathe also and there is no way human can be reached.

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 2023-04-27
Company: Grain Technology, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I owe a payment to Grain that was due on XX/XX/23. I began trying to make this payment XXXX. I was not able to log into my account. I tried to reset my password and the link is not working. I tried to call the number listed on my statement and it is totally automated. I emailed support and did not receive an answer for several days I went on XXXX and left a message via messenger. I received a response. That support would be in touch with me. The support specialist that I spoke with via email was a XXXX XXXX I have told him repeatedly that the links he is sending me is not working. I have copy and pasted the link. Tried in a different browser and also tried to login using a different device. All have failed. I am trying to make my payment and have been trying now unsuccessfully for seven days, I have asked the support specialist if I could change to automatic draft and they do not answer this question I ask for an address and just received it today. However, I was told that I should not be using the address because my credit contract states that they take it directly from the bank, I can not do this because I can not login to make the payment or to even set up an automatic pay. I really need help resolving this issue. I have screenshots of everything all conversations and links. Were have tried multiple times daily to login.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: NJ
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 account was removed off my report due to identity theft EXPERIAN continues to report this after I sent over multiple verification letters and identity theft reports EXPERIAN took this off my credit now put it back on

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 2023-05-16
Company: Experian Information Solutions Inc.
State: IL
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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, State : XXXX, IL XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has vlolated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immedilately as you are in direct violation ot several laws under The Fair Credit Reporing Act.

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 2023-06-07
Company: ALLY FINANCIAL INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX 4 hard inquiries were made without my authorization by XXXX XXXX XXXX XXXX XXXX  TX. When speaking with the business, sales manager XXXX told me the only thing he could do is apologize. I tried calling each of those companies listed above and there is no option to speak to a representative to dispute these hard inquiries and the option to do it over the phone through an automated system does not work. I have reported the business with XXXX. I want these hard inquiries removed from all of my credit reports since they were made without my authorization. I plan on taking legal action against the business.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, State : XXXX, IL XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has vlolated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immedilately as you are in direct violation ot several laws under The Fair Credit Reporing Act.

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 2021-06-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Second complaint I submitted a compleint against NEWREZ for refinancing an existing loan back on XXXX XXXX. 
Mr XXXX XXXX contacted me a few days after, asking if I would like to continue with the loan or to get my {$650.00} for under, money I paid up front. I told Mr. XXXX if it was possible I would like to continue with the loan process, so we continued with the loan process, same problems occurred Mr XXXX again started asking to send him the same documents over and over again that I have sent to him. 
I been sending documents since XX/XX/2020 when we initially started the refinance. 
After a week or so when by and someone else would contact me asking for the same documents again, I would sent documents to this other person ( I have proof of this e-mails ) again another week would go by and someone else would ask me for the same documents. I felt like they were just playing games passing my folder to different people and not processing my loan. 
I provided all the documents requested by NEWREZ several times to Mr XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and nothing has been done, I got tire of sending email and documents over and over. 
The last email I sent was to request my {$650.00} refund on XXXX XXXX it is now XXXX and I have not yet received anything, at this point I would like just to get my money back. 
Thank you in advance for your time and help for this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
these accounts appear on my credit report, they do not belong to me, please check them. 
Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I had lived in the same house in XXXX for 30 years.  We got a reverse mortgage and we were doing fine and were very happy -- until XXXX happened from XX/XX/XXXX.  My house was shifted off the foundation, and XXXX came and put tags on the windows and door that said "Do not enter--condemned".  I was not allowed to enter my own home to get my jewelry and belongings out of the house.  However, insurance people came and entered the house but I was told I was not allowed.  At a certain point in time, the city tore down my house in front of me while I sat there numb. I lost good furniture, jewelry, collectibles, all I owned my whole life. My wife and I have health problems, and we were devastated and lost everything.  My reverse mortgage company kept $180,000 from the claim I put in and I did get some money for my furniture. Now the reverse mortgage company is still contacting me saying I owe them money.  I have NOTHING.  FEMA was lame and didn't help me but with a small check.  The reverse mortgage lender who is now Champion  Mortgage continued to call me when I told them I wanted no more calls and they even put flood insurance on my property for which my house is gone - and says I need to get coverage, and they will cancel theirs. If you read the attached, it says this insurance covers the "dwelling"!  There IS NO Dwelling!!!!  

I am writing to ask that you tell Champion to go to FHA as I paid for mortgage insurance, so if a borrower cannot pay - the mortgage insurance pays the lender. I am sick of these calls. They are making me older than I ever felt I was.  It is now affecting my health. I called the newspapers and they won't listen either.  No one seems to care.  Except my loan officers who did the loan and who understands my plight. Please help me, I am begging you - because I don't know where else to turn.  How can I owe money when I had the mortgage insurance that was supposed to protect me?? What was the FHA mortgage insurance or if not for a devastating loss as this where the house is GONE?!  My wife is now in the hospital, I and she live with a relative and I have no idea when things will change. I have applied for low income housing but have no idea when there will be an opening.  Thank you for considering my complaint.  Thank you.  Please see attached.  

XXXX -- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: JPMORGAN CHASE & CO.
State: NV
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 amount is XXXX was open fraudulently, I reported this with the company and the account was closed. in XX/XX/2020, I had this remove from my credit report and this items keeps coming back on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: IL
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation