BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX 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 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 terms 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.

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 2017-07-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan was modified and I made three payments as requested but then the loan was transferred and foreclosure action started. i applied two more times, they denied it without any reason why denied. they sent me no documents indicating the reasons. I engaged a lawyer to protect our interest. My lawyer got an extension and NationStar Mortgage promised that they will send documents for modification. They never did even though my repeated calling. Their answer was that they do n't have enough time for modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Kashia Services
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
As of XX/XX/XXXX to XX/XX/XXXX I have paid you {$680.00} but when you add XXXX thru XX/XX/XXXX which is {$380.00} that total is {$1000.00}. I only borrowed {$600.00} even with high interest it would have been {$800.00} in XXXX you said I owed {$320.00} so with that being said you went over {$73.00} but with paying you over a thousand dollars youshould owe me {$270.00}. I know about high interest because I have a title loan and it only get no more the {$200.00} more then what I paid. If I dont get my {$270.00} back that is owed to me I will take this to court and call the XXXX  XXXX  XXXX  and report you for over charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: MN
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint AGAIN to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/2023 to remove these 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 or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX  I was on my way home from lunch before I decided to stop at the bank and deposit some loose change. I've been a Wells Fargo customer for a little over two years, and I've never experienced anything like this. As I was going to an ATM, a XXXX  man stopped me along the way asking for some help depositing a check that had {$1000.00} written on it. He said he was from XXXX, so he may have either come to the United States as a child or is currently doing business here. But, as soon as I finished depositing about {$50.00} of loose change into my account, he just goes ahead and deposits the {$1000.00} into MY account, only to then take out {$400.00}. I tried to stop him, but he just walked away right into his car and drove off. So now I'm pretty much piss-poor and the guy just committed fraud on my account. In other words, he stole the {$290.00} that was given to me from XXXX, where I'm in my final semester before I go to university in XXXX, AND the money I had just deposited into my account. 

Unwilling to accept the outcome, I immediately got on the bus, only to stop at XXXX and get on the phone with my bank. I told them that the {$50.00} I deposited earlier was mine, but the {$1400.00} wasn't. What they've done so far was put a block on my old card and send me a new one. The case is open as of right now, there has been a hold on the {$1000.00} that was deposited that may not clear up until tomorrow, both the deposit and the {$400.00} withdrawal from the ATM have been posted and they're still on my account statement, they're sending a letter to my house saying they may need more information or that they're sorry the investigation is taking so long to clear up.

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 monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2023 We contacted Capital One regarding unauthorized charges of {$2000.00} and {$6200.00}. We opened an official dispute of charges, one complaint for {$2000.00} and one for {$6200.00}. Capital One requested additional information.

XX/XX/23 Capital One requested more information regarding the disputed amount of {$6200.00}.

XX/XX/2023, We Faxed all of the information and documents and proof in response to their questions. This included the Contract with the merchant.

XX/XX/2023 For the amount of {$6200.00}, Capital One requested additional information.

XX/XX/2023 We Faxed Capital One the requested information and all of the documentation we had previously sent.

XX/XX/2023 For the {$2000.00} amount. Capital One requested additional information.

XX/XX/2023 For the {$2000.00} claim, we Faxed the requested information to Capital One, also included all documentation for the claim.

XX/XX/2023 For the {$2000.00} claim, Capital One stated information we sent to them was incomplete. At this time they stated they would no longer assist us on the claim.

XX/XX/2023 Amount of {$6200.00}, Capital One stated that our dispute lacked information they requested and they would be unable to assist us with the claim.

XX/XX/2023 I contacted Capital One, Transaction Support Center, by telephone. They stated that they would reopen the {$2000.00} dispute but there has been no response at this time.

XX/XX/2023 For the {$6200.00} claim : I contacted Capital One, Transaction Support Center via telephone regarding their denial of our {$6200.00} claim. I again requested proof that we approved the charge for {$6200.00}. The representative stated that no proof was submitted and they had only the word of the merchant.

When I requested that this dispute be reopened, the representative stated that the time limit they had with the MERCHANT had expired. They can no longer pursue the dispute. WE WERE NEVER NOTIFIED OF ANY TIME LIMITATION BETWEEN CAPITAL ONE AND THE MERCHANT. Apparently, Capital One allowed the time to run out without notifying me, their customer.

Capital One has all of the supporting documents including the contract and supporting material. We have requested numerous times that Capital One provide evidence that we approved the disputed charges of {$2000.00} and {$6200.00}. THEY NEVER COMPLIED WITH THAT REQUEST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Just got a closing of another complaint with not fixing g the problem

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 2022-11-09
Company: EQUIFAX, 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:
the U.S law U.S code title 15 Commerce and trade chapter 41 a consumer credit protection sub chapter XXXX credit reporting agencies which that refers to EQUIFAX subsection three credit reporting agencies 1681 B you have a title that says permissible purposes of consumer reports there's two permissible purpose for a credit reporting agency to be reported if you go to the first one it says in response to the order of a court having jurisdiction to issue such an order or a subpoena issued in connection with proceedings before a Federal grand jury we don't have that situation, the second issue is in accordance with written instruction of the consumer to whom it relates I'm this consumer you're reporting stuff on my behalf and you do not have written instruction from me. I am a well informed consumer, all correspondence is being recorded for future evidence purposes. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX  {$35.00} XX/XX/XXXX These accounts violate my rights, they have also been factual data disputed several times which you have ignored see attached documents. I have taken the liberty to point out over 11 violations that your company has committed. Im not asking but telling you remove or Notice of lawsuit for damages, and attorney fees will follow.This has kep me from owning a home and tremendous stress. 
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 ( XXXX ) ( 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} Proof of your violation and lack of investigation from previous dispute through CFPB will also be used as evidence file numbers are ( XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2022 I paid my credit card bill in full in the approximate sum of {$1200.00}. When I received my XXXX bill the same amount appeared as past due and my card was declined. 
I investigated and discovered that the full payment was sent to the SAME BANK but to a defunct account and I advised the bank of same. In late XXXX I was informed that the amount in question would be put in dispute and the bank verified that the amount was put in dispute on XX/XX/XXXX so they could search their records and attempt to locate the payment. In addition, at their request, I forwarded proof of the electronic payment to their bank but the wrong account. TO DATE I HAVE NEVER RECEIVED THE DISPUTE PAPERS after asking FIVE times to have them sent and every month I am being charged interest on the disputed amount and my billing does NOT show any dispute at all. When I contact the bank, they actually RESIST in removing the interest charges even though they acknowledge that a 'dispute ' was set up on XX/XX/XXXX. I have now received THREE subsequent bills with the interest component and NO acknowledgment that the original amount has been placed in dispute nor any information regarding the misdirected payment. It is ILLEGAL to charge interest on a disputed item

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Once again XXXX XXXX with XXXX XXXX refuses to update the balance on a timely basis which is over 30 days. 
XXXX XXXX is showing {$640.00} and they still show it at XXXX which is double what I owe and is effecting us applying for a home loan. 
Please update this and I plan to close it after its paid off.

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 2023-11-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
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:
Dear Sir or Madam, Carrington illegally furnished information to consumer reporting companies that our account was delinquent, rather than current, even though our loan was under an approved Covid-19 forbearance. 
Carrington also falsely told us that we would be assessed or had been assessed late charges while under forbearance.

Enclosed you will find evidence showing that : 1.We applied for and were approved for a Covid Forbearance for a VA XXXX XXXX XX/XX/XXXX, to XX/XX/XXXX. 

2.Carrington Mortgage violated the CARES Acts and illegally reported our loan as late to the credit bureaus for the exact months our loan was under the Covid-19 Forbearance for XXXX, XXXX, and XXXX of XXXX despite the written notifications that stated : You are currently on a Covid-19 Forbearance plan. You are not required to make any payments during the Covid-19 Forbearance period. In addition, you will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the Covid-19 forbearance period.

This has caused us considerable damage, emotional distress, and delayed family projects. 
3.Carrington Mortgage demonstrated willful negligence and gross non-compliance with the CARES Act when we informed Carrington of the errors and they did not correct them. Instead, the representatives misled us to believe that the Covid Forbearance program is no longer in existence. However, your website ( XXXX ), as of the date of this letter, states the program is active and available until XX/XX/XXXX. 

4.Additionally, we were deceived about our repayment options ; Carrington attempted to put us in a loan modification that increased our monthly payment by more than 60 %.

5.Carrington Mortgage has a history of deceptive acts and practices under the Consumer Financial Protection Act with regards to mortgage forbearances and subsequent action was taken
against Carrington Mortgage by the Consumer Financial Protection Bureau for these very same violations in XX/XX/XXXX. Despite the order to repair the faulty business practices, they continue. 
Enclosed are the following articles of evidence : 1.The written statement from Carrington Mortgage regarding our approved Covid Forbearance. 
2.The mortgage statements with the Forbearance Notice for the months of XXXX, XXXX, and XX/XX/XXXX. 
XXXX recent copy of our credit report showing the falsely reported lates for XXXX, XXXX, and XX/XX/XXXX. 
4.Carringtons attempt to overcharge us for a loan modification.

Records of our attempts to resolve the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: MN
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:
After checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: CA
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:
Accordance with the fair credit reporting act, the list of the account below has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 

1-Account name XXXX XXXX Account number XXXX Charge off 2-Account name XXXX XXXX Account number XXXX Charge off 3-Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Late payment 4-Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Deadcharge off 5-Account name XXXX XXXX XXXX Account number XXXX Account type Collection Has violated my right.

15 U.S.C 1681 section 602 A. states I have the right of my privacy.

15 U.S.C 1681 section604 A. It's also states 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 reporting containing any of the following items information any other adverse item of information, other than the record of conviction of crime which intent the report by more than seven years 68 awesome 15 U.S.C. 1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency 's if the person knows or has responsible cause to believe that the information is inaccurate.

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 2022-10-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XXXX, I was notified by XXXX that my email and password were compromised on the dark web. I started to receive alerts from other companies that my identity had been stolen. I checked my primary checking account and noticed there were 11 XXXX Debits to unknown persons, as well as a deposited ( eventually returned ) forged check in the amount of {$2000.00}. The XXXX debits totaled {$11000.00} but only {$9000.00} were credited back to me. There remains an additional {$2000.00} that has not been credited back to me that was Fraudulent due to the data breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation