BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: IL
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 am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated Metro 2 Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per CRRG 3-4, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: SN SERVICING CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XX/XX/2021 for {$310000.00}. We put 5 % down, so our loan was {$290000.00}. Our original loan servicer was XXXX XXXX XXXX. It was sold to XXXX XXXX approximately one year ago. Our home value is now approximately {$400000.00} based on appreciation alone. We have also done numerous upgrades to the interior and exterior of the property. We are very confident our home would appraise for well over {$400000.00}. We have had several phone conversations, several email conversations, and have sent two written mailed requests for Private Mortgage Insurance ( PMI ) ( $ XXXX ) removal, to which they have repeatedly denied, or ignored. We specifically have spoken to XXXX XXXX and XXXX XXXX at XXXX XXXX. It is my understanding that if we request the PMI removal, then they must order a Broker Price Opinion, or reappraisal to determine the current value of the property and if we are at the 75 % XXXX ratio for PMI removal. We believe they are not acting according to legal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-01-04
Company: Experian Information Solutions Inc.
State: AZ
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 honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXXXXXX

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Once again, after successfully paying my new modification for the past 2 years, Bank of America send me a statement increasing my payment from {$380.00} ( principle and interest ) to {$620.00} ( escrow flood insurance ) As in the past 5 complaints Bank of America, intends to alter the terms of the contract I have with them. XXXX XXXX XXXX XXXX Regulatory Complaints Department XXXX XXXX Bank of America ) and I have worked together for the past 10 years trying to get my modification on terms we all could agree on. We finally agreed NO ESCROW just principle and interest. We did 3 trial payments, we signed all the paperwork and I have been paying faithfully for the past 2 years. It was agreed a 40 year modification at 2.75 % {$380.00}. I pay my own insurance and taxes. XXXX XXXX did say if I defaulted on my payment, they may have to add escrow in to the loan. I have NOT defaulted!! I just got notice from Bank Of America that they expect me to now pay {$620.00}. I did not agree to that and I can not pay that amount monthly. I pay my flood insurance yearly ain XXXX and I intend fully to continue to do so. I will be paying bank of America my agreed upon payment and nothing more. I have tried several times to reach XXXX XXXX and he does not return my calls. i have tried to come to terms with customer service and the insurance dept. and they keep switching me back and forth and are not trying to make a resolution with me. I am sure once you enter a contract with someone, you can not change the terms 2 years later. Hopefully, we can work this out without having to get an attorney involved. Bank of America is making it difficult to speak with someone with authority to help me. Thank you for anything you may be able to do to help me at this time. 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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2023-05-17
Company: Deutsche Bank
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred XXXX $ from my account in XXXX to my account in XXXX since XX/XX/XXXX, and till now didnt receive it. I knew from the XXXX transaction reference that it passed through intermediary bank which is Deutsch XXXX XXXX XXXXXXXX. I tried to call the wire transfer department within Deutsch Bank with no answer for more than 3 days ( customer service always transfer me to wire department ). When I checked with XXXX if they can trace the transaction, they told me that they can not see this amount in the incoming transactions and told me that it is most probably still on hold in the intermediary bank. The sender bank in XXXX ( XXXX ) assured me that the amount is on hold in the intermediary bank as well and told me that they were asked for additional information by the intermediary and answers were provided on XX/XX/XXXX. So, I kindly request that the intermediary bank dispatch the amount to my receiving account in XXXX as there is no reason for this long hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: 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. XXXX, Transunion 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 XXXX, Transunion and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. Transunion, XXXX 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 Transunion, XXXX 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. XXXX 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. XXXX is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT

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 2022-11-16
Company: American Credit Acceptance, LLC
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, My XXXX XXXX XXXX XXXX  opened the door and was handed a paper. When she asked what is it he said he is unsure and left without a signature or verification of whom he handed the paperwork to. I looked at the paperwork and it says I am being sued by a debt collector I never heard of before XXXX XXXX XXXX and an attorney named XXXX XXXX XXXX. Suing me for a XXXX XXXX that was wrongly taken out of my possession in XXXX from American Credit Acceptance. My truck was paid off, I spoke to a rep that clearly stated I paid over XXXX for the truck and she didnt know why they were saying I still owed payments, There were payments missing and no one could explain where my money was going. I requested that they review my phone calls for each time I called in to make a payment. She said she would email me some paperwork showing the truck had been paid off once, and then payments just disappeared. Once I received the email and tried to reopen it to save it, it was no longer available, and a few days later I walked outside and the truck was gone. When I called them they said I would have to pay over XXXX to get it back. This company completely ripped me off, stole money and truck from me. Each time I tried to call them after that I would always be placed on long holds and no reply. I never heard from them again. Now almost XXXX years later this collection agency that I have never received any communication from is trying to sue me over a janky company that steals money from people. I wasn't able to verify or validate anything before they decided to sue me. I don't know if they are able to legally collect this alleged debt or if they are trying to steal from me like American Credit Acceptance. I feel completely violated and harassed and this doesn't look good on my profile. Debts are supposed to be validated and verified BEFORE they are allowed to sue you, according to new laws they aren't supposed to try to collect at all. They are not the original creditor and just trying to find a way to get money off of a scam. They didn't properly reach out to me beforehand because they know this debt is not owed and tried to find a illegal way to obtain money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX Nationstar became the 'servicer ' on our loan. They have tried everything to put us in default including manipulation of their transaction history report. They regularly posted payments late even though we have the tracking numbers for their receipt. They tried to establish an illegal escrow, with no proof except their transaction history. In XXXX, they started returning our periodic payments and the payments they accepted were applied to their bogus escrow account rather than interest and principle. They accelerated the loan in XXXX and ultimately foreclosed in XXXX after returning 18 months of payments. In court, a witness for Nationstar testified, under oath, that no escrow existed. A week after that testimony, Nationstar forced -placed an escrow on our homeowners policy, which we have been paying over 11 years as per an escrow waiver. They paid over our paid up policy and instructed the insurance company to return our payments. We received a refund check and have now returned this check to the insurance company. This is the 2nd time Nationstar has tried to place an escrow on our insurance. This is nothing more than under-handed tactics so they can show the court, they actually have an escrow. The only problem is that it 's too late and they have no grounds for doing so. Also, Nationstar has named itself as mortgagee under the insurance policy, while they signed an affidavit for the court, stating that they are only a servicer. They will not respond to us as to their 'mortgagee ' status. There are missing entries on their transaction histories and no 2 are alike. The history shows numerous property inspections, sometimes 3 in one month. They refuse to answer our QWR 's, and any and all questions about their status, the status of a lender, the validity of an assignment and many questionable entries on their history. What I find particularly interesting is that the transaction history shows our payments coming in, but do not show any monies going out to lenders, etc. This has been nothing more than a manufactured default and the illegal foreclosure and is fraud upon the court. This is a company that should be out of business for their illegal procedures. Anyone who reads this, should question every move they make and do n't believe a word they say. They have their own agenda and it is NOT to help the homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Carvana Group, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
THIS IS TITLE ISSUE... NOT EXT WARRANTY OR GAP BUT I DID NOT SEE THE OPTION LISTED PLEASE HELP ME WITH THESE CROOKS! 

XXXX XXXX XXXX, NC ( XXXX ) XXXX PURCHASED MY XXXX XXXX FROM CARVANA XX/XX/XXXX. TO START, THEY INSPECTED MY CAR AS A XXXX. TOOK DELIVERY OF MY CAR, THEY REACHED OUT A DAY LATER BEGGING ME TO GET MY OWN CAR INSPECTED AND MADE ME AWARE OF THE SITUATION THAT TOOK PLACE BLAMING IT ON THE TECH. I WENT TO GET IT INSPECTED AND FOUND ALMOST XXXX WORTH OF SERVICE WORK THAT NEEDED TO BE DONE, THAT WOULD NOT HAVE PASSED A NC STATE INSPECTION. WEIRD RIGHT? TOOK MY CAR TO XXXX XXXX XXXX WHERE XXXX THE STORE MANAGER HELPED ME TREMENDOUSLY. MOVING FORWARD, THEY COVERED THE COST OF THE WORK AFTER THREATS OF REACHING OUT TO THE DMV INSPECTOR. FAST FORWARD TO XX/XX/XXXX ... I RECEIVED A TEXT FROM CARVANA THAT THE TAG HAS BEEN ISSUED AND ARRIVING IN 5-7 BUSINESS DAYS. I'M CURRENTLY TEXTING WITH AN ADVOCATE AT CARVANA NOW THAT TELLS ME THAT WAS A MISTAKE. AND I CAN ONLY GET A NEW TEMP TAG IF THE REGISTRATION WASN'T COMPLETED. NOT WHAT I WAS TOLD MONTHS PRIOR. AFTER REVIEWING THINGS ONLINE, I SEE I AM NOT THE ONLY PERSON GOING THRU THIS. WHAT'S GOING ON? PLEASE HELP ME GET ANSWERS AS I'M STILL RIDING ON A XX/XX/XXXX EXP DATE ON MY CURRENT TEMP TAG. ALSO, JUST OPENED ANOTHER XXXX  COMPLAINT TODAY AFTER THE TEXTING ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted in XX/XX/2022 about a debt that was owed to XXXXXXXX XXXX XXXX. I immediately set up a payment arrangement with the agent to pay the debt off. I set up {$30.00} a week payments for 2 months to pay off the debt. She advised me that since I set up a payment arrangement this would not be sent to the credit bureaus. I received a notification today that this account hit my credit report. It dropped my score XXXX points. I am in the process of buying a home for me and my family so I have been building my credit for the last 12 months. This will absolutely ruin the chances of me buying a home. I called the company ( Conserve ) and the agent was no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me I even tried to dispute more then one 's account XXXX XXXX XXXX  been closed since XXXX and the credit bureau repond the account on my report and reported a couple late payments recrecently which resulted in late recent payments even tho its been close since XXXX and showing closed as of XXXX so the dates of the account and payment history its not right and they giving me a hard time

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