BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX 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. They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation

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 2017-08-07
Company: NATIONSTAR MORTGAGE LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved by this company for a HAMP & mortgage assumption. I am XXXX years of age. This is what happened. I was faithfully making my payments on time and suddenly, my monthly payments started coming back to me. I was sent a letter and was told that my modification agreement was not properly notarized. I set out to get the proper notarization completed with the assistance of my housing counselor. All while this was going on, the continued to send back a total of three monthly payments, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and I did not send XX/XX/XXXX because I knew it would be sent back. All while this had happened I was going through health issues, I have XXXX XXXX XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. I am back on me fee but with the assistance of a XXXX. I went through mediation, and to make a long story short, the mediation was entered into a final which means, the lender took away my modification agreement and mortgage assumption. They said they wanted a lump sum payment, I had a certain amount to send them but I did not have the reinstatement amount they said I owed. I just want to say I feel this was not all of my fault because, when they said the medication agreement was wrong, they started sending back my payments and if only they had just kept the payments and placed them in reserve until I was able to get the correction done on my agreement. All would be fine and I would not be in this situation. I am XXXX years old, I have no where else to go, I have no family, I do n't have anything but my home. I am holding {$4000.00}. My counselor assisted me for a long time in finally getting the assumption approved and the loan modified and just when I thought I am going to be ok, this happened. This lender will tell you they made attempts to notify me and that may had been what happened but I was not in good health and still trying to regain my strenghth, I was in the hospital almost a month, it was a horrible time. All of the money they sent back they wanted back in a lump sum. And now my home is up for foreclosure, judgement has been entered and I do not know what else to do. I am scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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 have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days. 

Equifax refuses to block fraudulent items from my credit report. My credit reporting statutes must be enforced if sufficient information is provided under FCRA605b. Also, code 15 USC 1692g states no one can verify an alleged debt but the original creditor which is me ( XXXX XXXX XXXX ). There is also a medical collection on my credit report. or them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Implied consent was never given on my behalf. Therefore, my request is twofold validation of debt and HIPAA authorization. I have asked Equifax to validate the debt and received no response. 
I have attached proof the items were delivered successfully, and XXXX just refuses to support my credit reporting statutes. 

Equifax refusing to remove this information immediately is a violation of the following : Per public law 104-191 Sec 1177 this is a violation per 15 USC 1692e ( 2 ) ( A ) ( iii ), 15 USC 1694f ( 8 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( iii ), 15 USC1692 ( k ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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: Account information incorrect

Complaint:
Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported four student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX  ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the Experian, XXXX and XXXX with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX favor as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.

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 2023-08-25
Company: EQUIFAX, INC.
State: SC
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 noticed after the federal government XXXX changed my ssn my former attorney had me sent out certified letters to all credit bureaus with copies of myself and two kids social security cards birth certificates school demographics and report cards XXXX XXXX XXXX XXXX XXXX had written letter of disputes and police reports. XXXX credit report got worse. I have over XXXX inquiries and Ive not even had access to my account since the beginning of the year, my information is being bridge via cyber attacks against my devices from home to hide the real criminal activities and Im getting the bad end of the deal adverse actions against me and my XXXX  children. Im getting medical bills out of no where fake guarantors numbers, data breaches from 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  file number XXXX, XXXX XXXX, and XXXX is showing up differently over 50 times in one year and Ive only reached out to them twice 3 times including today!!! Ive sent updated ssn they never changed it they wont remove XXXX XXXX XXXX, illegally selling my information to accuse me of what the criminals are doing, victimized of human trackifficking then, my kids medical information compromised, EQUIFAX already repetitively getting data breaches from them shows : intersections, EQUIFAX XXXX XXXXXXXX XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXXXXXX XXXX WITH MULTILOLE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX all FRAUD NOT DONE BY ME OR ISNT MINE ALL EQUIFAX USING DIFFERENT NAMES IS FRAUD IVE REACHED OUT TO EQUIFAX XXXX XXXX the last 2 years. XXXX wont give me access to my credit report with the correct information, there is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXLinked to compromised former business XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Multiple cyber attacks, placing government agencies in jeopardy with their servers, KNOLLS MONITORING SERVICE MAILED ME A LETTER OFFERING FREE SERVICE DUE TO MULTILOLE INTENTIONAL DATA BREACHESIM BEING FORCED TO GIVE UP MY PRIVACY HUMAN CIVIL RIGHTS DUE TO 15+ years of fraud, false information, racketeering, misleading information, when i file complaints my health gets worse and so does my kids. Everything I do is being illegally monitored!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My wife XXXX and I requested a Loan Mod through Nationstar Mortgage Loan number XXXX in XXXX. We had a fixed rate FHA Loan at the time we requested the Loan Mod. Due to limited communication from Nationstar during the approval process of the Loan Mod which took Several months to approve we did n't know until we received paperwork to sign indicating there was an XXXX baloon payment being added. Out of desperation due to my wife being unemployed we accepted it. We felt that if we sold our home are Refinanced it the Baloon note would be included as part of our total payoff. We refinanced our Mortgage with XXXX XXXX in XXXX XXXX and received a Conventional loan, Loan. number XXXX. We were excited as we requested a Cash out Reference to take care of some home improvements. In XXXX XXXX we received a collection notice letter from XXXX XXXX with HUD regarding repayment of the XXXX balloon note. We also received a collection notice from US Dept of Housing attempting to collect debt. On XX/XX/XXXX I spoke with a Supervisor with Nationstar Mortgage now known as XXXX who provided me a paid in full letter to provide HUD and insisting the XXXX balloon not was a part of the Payoff and we owe nothing. I had to leave a message with XXXX XXXX with HUD XX/XX/XXXX asking her to contact us so we can provide the Paid in full letter provided by Nationstar Mortgage. Her voicemail stated she will be out of the office until Monday XX/XX/XXXX. Thus far HUD has reported this to the Credit Bureaus thus ruining our Credit and are threatening wage garnishment which will destroy our Finances as well. My wife was rescently hospitalized in XXXX with XXXX problems and has accrued a large amount of Debt from that. Any assistance you can provide in this matter would be greatly appreciated. Sincere thanks, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TxXXXX. My number XXXX, XXXX 's number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Regional Management Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2023 I received XXXX And they have me as I borrowed XXXX. 
Not right im on a fix income

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased various gifts from XXXX using Affirm financing to the amount of XXXX. The purchase included two bicycles ; however, both were missing parts so they were returned to XXXX. XXXX processed two returns one in the amount of XXXX and another in the amount of XXXX on XX/XX/XXXX. Both were refunded back to Affirm, however, the second refund was not processed. After four follow ups on the Affirm is stating they can not apply the refund to the loan even though they have received the funds back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA Violation : credit cards not mine XXXX  XXXX XXXX XXXX  FCRA Violation : other loans not mine XXXX XXXX XXXX  FCRA Violation : collection not mine XXXX XXXX XXXX FCRA Violation : names 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation XXXX auto loan not mine XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: FL
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:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : 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 Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-08-03
Company: EQUIFAX, 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$7100.00} XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$13000.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX  ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$57000.00} ; XXXX XXXX ( XXXX XXXX  XXXX  ) XXXX Balance Owed : {$3700.00} ; 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: OH
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:
I contacted all 3 Credit Bureaus and let them all aware that I am a victim of fraud. I did not request for XXXX XXXX NA to access my credit profile. In return the representative told me that they can not delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive been a customer with AMEX for almost 5 years. Always made my payments, and have paid my balance in full several times. Amex have gone out of their way to prove to me how much they dont value me as a client. And as much as I hate to say it, I strongly believe the reason for the way theyve treated me as a client is due discriminatory reasons. Let me explain. 

Ive have my Hilton Card since XX/XX/XXXX, my limit has remained the same. Ive requested for an increase several times and AMEX always come up with a reason to reject them. I would work on the decline reasons and reapply at a later time and they still decline my requests. To make matters worst, not only they never increase my limit, in XX/XX/XXXX, ( almost 4 years after being a loyal customer ), they decided to LOWER my credit limit by 80 %. I had to go through a lot of hassle to regain my original credit limit. I had to pay to fax income information, copy of my credit report with my scores ( my scores were over XXXX ), spent hours on the phone dealing with the assigned department. 

Now, as of XX/XX/XXXX, AMEX have completely remove the option for me to request for a limit increase. I can no longer apply for a limit increase. Have I really been that bad of a client to get that kind of treatment? 

We also had a Gold card, which was suppose to be a no preset spending limit card. Well 2 months after having the card, and AFTER AMEX charge us the {$250.00} annual fee, theyve placed a limit on that card too, a lousy {$2000.00} bucks was our credit limit - ON A GOLD CARD! Unfortunately we were never able to remove the {$2000.00} limit cap that was placed on our Gold card because AMEX refuse to acknowledge my personal income because my wife was the primary owner of the card. So we were forced to cancel the card for obvious reasons. 

Its a shame what Amex have come to be. I used to have high regards for Amex, but now its almost disgraceful what theyve become as a company and the way theyve treat their customers. And Ive heard the same feedback from many others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: Opportunity Financial, LLC
State: VA
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 requested documentation about their account such as signatures and statements. I advised this is a fraudulent account, please update records accordingly and remove from my credit report. A fraud report was provided in XXXX and the item was removed and then added back to my account once again. I have since updated the identity theft report once again.

Company response to consumer: Closed with explanation