BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
By Law this account was written off as income with a 1099c. You NCB Management has purchased this debt which mean you are trying to collect on a debt that was considered as income. This alleged debt you claim I owe should not be sold to a third party company than NCB  MANAGEMENT gave information to another third party company XXXX, XXXX AND XXXX and refused to send me the wet ink signature that gave them authority to place this account on my consumer file. As the law states permissible purposes and I havent written you and ask you to furnish negative information on my consumer report. This is my attempt to settle this matter with good faith and clean hands. I conditionally accept this upon proof that you were allowed to furnish this information to my consumer report as well as furnish this information knowing that this debt was written off as cancellation of debt. You have caused damage to my report and I am denied good faith and credit due to the derogatory mark. If this matter isnt handle I will have to file a 3949-a to the IRS for investigation to accounting. As well as a 211 form with the IRS to investigate.. I am a natural living woman, you have trespass against my person and refuse to the codes and statues YOU NCB MANAGEMENT must uphold. This IS NOT DEBT IT IS CONSIDERED INCOME when a 1099c is filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Movement Mortgage LLC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
During the last 36 hours upon the day I was supposed to close on my house, in XXXX of this year, I was bombarded with several documents, that changed at least 4 times before the last 24 hrs before I was set to close, the last documents came 8 hrs before closing, with a debt to income of over 60 % with my lender inflating my income, stating I made more than I actually did, then when I said I didnt aprove of some fees that were added, and a Monthly payment I couldnt afford, I refused to sign, I said I could not afford anything over 2000 a month with my income at {$4100.00} a month, when I saw my final payment I was assured that once I got my property tax circut breakers and property tax exempt paperwork filed and sent to movement mortgage my escrow account would be adjusted and my monthly payment lowered to accomidate my situation or I wouldnt sign the documents.. I was lied to ..my payment is {$2100.00} and hasnt changed. 
I have provided those documents and 6 months later ive been given the run around and put off while this mortgage broker got away with unnessasary fees that kicked back to her through my agent, and put me in an unsustainable payment situation, putting me off with empty promises, while they sell off my mortgage, and instead of adjusting my payment as promised I wait and hopefully wont loose my home because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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 sent a letter on XX/XX/2022 to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX Balance Original Creditor : XXXX XXXX Texas XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Date of Inquiry : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022, we opened an LL Bean credit card at their XXXX Maine location ( world headquarters ) We were told we could get a large discount if we opened a store card. 
Unbeknownst to us, it was never mentioned that they would be doing a " hard '' pull on our credit. This has detrimentally affected our ability to qualify for the best rate on a mortgage. A simple inquiry on our credit would have been a lesser insult. We called Citibank on XX/XX/XXXX and had a very lengthy call with XXXX the self described " phone manager '' who told us there was nobody above him I could speak with. He incorrectly stated that there was no way he could switch from a hard " deep dive '' to a " soft '' inquiry. I was told by our state banking commission that a bank has 30 days to correct this. I am unequivocally stating that this was an unfair and improper use of our credit. We have the exact same problem with XXXX 's credit card. Ironically, Home Depot immediately fixed the same situation for us. We were willing to allow a harmless inquiry but we were not informed of the consequences of them making a deep dive into our credit history to the extent that it ruined our ability to get a mortgage rate we could afford.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CMG MORTGAGE, INC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
A finance of my marital home was completed by my husband ( we are in the middle of a divorce ) however I was not included on the finance despite my name being on the deed of trust for the home. CMG Home Loans completed this loan and then sent the documents over to Priority Title and Escrow who paid off the original mortgage that I was on and paid all proceeds from the equity directly to my husband despite my name being on the deed of trust. Our original mortgage was through CMG and once I received an email stating that the mortgage had been paid off I immediately called them to find out how and why and they refused to provide any information stating that I am not on the new loan so they couldn't help me. A formal complaint has been filed with the state of Missouri on Priority Title & Escrow as well. Numerous attempts to reach Priority Title and Escrow has been made including an attorney demand and no response has been received back. At this point CMG has no security on this property as Priority Title and Escrow can not file the Deed of Trust without a marital waiver and quick claim deed which they will not be receiving. CMG accepted improper documents to complete this finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-01-21
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: Reporting company used your report improperly

Complaint:
I XXXX XXXX never gave ( TransUnion ), any verbal or written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general. 

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
None of these companies have lawful authority to put any account on my consumer report. 

All accounts list below must be deleted! 
I research these are Violations under the FCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent accounts. 

15 U.S. Code 1681c2 Block of information resulting from identity theft.

( a ) Block Except as otherwise provided in this section, 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 by such agency of! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Thank you.

Each one of these accounts need to be deleted immediately!!!

List each account here along with the full name of the account and it's account number XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX  # XXXX Once again, all accounts above shall be blocked and deleted from my credit file immediately! 

This will be forwarded to the Consumer Financial Protection Bureau, I will also notify my attorney generals office as well. 

Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.

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 2023-08-23
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
in the past, i was able to unfreeze my acct by telephone. Now I am forced to a website and must enter my social security number for the world to see. 
I don't own a computer and must go the library for access

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX LXXXX XXXX XXXX XXXXXXXX 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$290.00}

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 2021-07-26
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed a broadband account with XXXX  when I moved. Their customer service rep did not tell me to return a depreciated modem. They then charged me for the purported value of the equipment. 

When I contested, they pointed to a clause in their contract to return items, but nothing in the contract explains how to return an item. ( Also keep in mind this was XXXX  2020, when COVID disrupted even traditional practices. ) They ( 1 ) did not ask for the modem to be returned or ( 2 ) explain how to return it.

To cover their ineptitude, they have put this bill for a debt that I do not own in debt collection over the past year, through multiple debt collectors. I had informed them that the next collector would lead to a CFPB complaint.

They are even now offering a 24 % discounthow kind. Only 76 % on the hook for their incompetence.

They are repeatedly trying to use debt collection harassment to get a consumer to cover their own mismanaged operations.

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 2023-04-26
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card with US Bank that was not used. I received a statement in the mail for an annual fee I was unaware of. However, by the time I received the statement the annual fee was two months late. I called US Bank and closed the account. The representative told me there was nothing she could do about the late payment reporting to the credit bureaus. If this was a card I used, I would have paid it in full monthly like the other cards I have. However, since I don't use the card and did not receive statements, I had no way of knowing an annual fee had been charged to me and that the annual fee was treated by US Bank like a charge I made on the card and therefore since payments that were apparently due but I was unaware of were not made, they reported a 30 day and a 60 day lateness to the credit bureaus. I called in and closed the account on XX/XX/23 and was told fees would be reversed and are not due. However MUCH more importantly is that I need the late reporting to the credit bureaus reversed. I am XXXX XXXX XXXX and have never had a late reporting even once and I have high XXXX credit scores. It has been important to me to maintain excellent credit my entire life and I think US Bank needs to reverse their late payment reporting. Account number XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-04-29
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX my brother and I purchased a car which we financed through XXXX XXXX. The loan is in both our names and reports on both of our credit reports. Sometime between XX/XX/XXXX and XX/XX/XXXX, we were the victims of identity theft and embezzlement which resulted in our sustaining a major financial loss but also some of our bills not being paid as a result of the person embezzling our funds was not paying our bills. It came to our attention that in order to succeed in this scheme to defraud, the person in question caused to be faxed and or mailed various documents to creditors such as Chrysler Financial which was supposed to give them permission to speak with this person and to make any changes on our account. Chrysler without any care or due diligence accepted letters from this person as well as telephone calls where he said he was us and further made changes to the account resulting in not only the account not being paid but in my brother and me not being notified about any delinquency on the account. This went on for a long time and it was only because we were notified by a family friend at Chrysler that the car was on the verge of being repossessed that we were able to take immediate steps to save the situation. We have registered complaints with the executive office of Chrysler to no avail. We have been able to catch up on the payments and by XX/XX/XXXX will have finally caught up. Given the circumstances, we have petitioned Chrysler on numerous occasions to adjust, amend or otherwise roll back the negative information being reported by them on our credit reports. It is axiomatic to say that had Chrysler not breached our privacy by allowing unchallenged information and records to be changed we would have been alerted to the fact that our account was behind. I view Chrysler complicit in this matter and liable to us for their negligence. Their reporting has ruined our credit and it is worth noting that each and every other creditor similarly positioned went back and adjusted their credit reporting as a courtesy for their failure to engage in due diligence and what has happened to us. A review of our credit will indicate that some of our bills were not paid during this period but most were. We have previously supplied information to the Chrysler Financial executive office however they have ignored us to date.

Company response to consumer: Closed with explanation