BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: CL Holdings LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capitol has reported a debt to all 3 credit bureaus in the amount of {$1000.00}. Jefferson Capitol Systems has ignored my requests to have to debt removed from my credit report stating they have validated the debt. Jefferson Capitol does NOT hold the licensing requires to collect in my State of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have requested written letters and verbally for transunion to remove, inaccurate and information off my credit report, according to the FCRA. The have ignored my demands and my rights. I have taken all necessary steps according to Federal law for the removal of these inaccuracies on my consumer report and I demand Transunion follow the law and discontinue violating my rights under the consumer law.

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 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom this may concern, Vance & Huffman are reporting a debt that I do no owe and there reporting XXXX and the letter XXXXthat they sent over to the CFPB shows a different amount of {$550.00} this is not my debt and I need this to be removed from my credit report. They haven't shown any proof that I owe them directly they have not validated that I owe any loans with them. I need for this matter to be investigated and for them to remove this erroneous debt from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from all XXXX of my credit reports as soon as possible. 

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 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 2023-03-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2015-08-14
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In starting a Short Sale Approval process for a signed contract for the borrowers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's ) mortgage loan with NationStar ( Loan # XXXX ) the bank is insisting that the home be " given a broader marketing '' which equates to an auction. The owners are under contract to sell to buyers and getting under contract with other buyers can put them at risk of a lawsuit. If the purchase offer is not satisfactory, the investor/bank has the right to counter the offer. They do not have the right to auction a property they do n't own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

These inaccurate items on my credit report are due to ID Theft, ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
This has been reported via police report and FTC Affidavit of ID Theft. True Name ID Fraud was listed on my credit report after I found out, but for some reason now they show up under collections. This is prohibiting me from getting my credit score back to Pre-ID Theft which was a XXXX. After all this fraudulent activity and reporting, it is low XXXX and has caused damage to me and my business as well. Reports show that fraudulent account was opened XX/XX/XXXX, XXXX in my attached report it shows that they were 'assigned ' over a month before the open date!

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 2023-05-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX  XXXX 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.

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 2015-08-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar mortgage has incompetent and irresponsible accounting practices. Since they have acquired my loan, they have missed property tax payments due from my impound account, lost payments, miscalculated unpaid balance owed with timely payments, and have the audacity to send me a letter saying I owe them a late fee. My credit scores are over XXXX, and I 've never missed a payment on anything. EVER! I do not trust they are operating with a fiduciary responsibility to their clients. It 's unethical to place a customer, who is making early on/time payments in harms way with regard to their credit. Their poor accounting practices are placing my credit in harms way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit 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 2022-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The week of XXXX XXXX XXXX unauthorized XXXX charges started appearing on my account. The first one occurred around XXXXXXXX XXXX the night of XX/XX/XXXX. I called the fraud center immediately after receiving the alert and told them that it was not me and it was fraud. The next day another charge for XXXX went through. I called the bank 's fraud number and reported it again. Charges kept going through despite the fact that I kept calling in and reporting each one as fraud. I was issued several new debit cards over the course of the week and nobody at the bank could figure out how to stop the charges. I told them I was going to close my bank account after they could not stop the charges from coming out. Finally someone told me that whoever I was speaking with before failed to disconnect my old debit card from the new ones being issued. Whenever a new debit card is issued, merchants like XXXX are allowed to have the new debit card number update in their system without having permission to. The bank should have realized this problem and disconnected my debit cards from each other completely. We have banked with Bank of America for 9 years and if you looked at all of our transaction history over the course of those nine years you would not see one XXXX charge on there because my husband and I have never used XXXX. XXXX transactions ran through onto our account before the bank could stop it. The bank payed all of the claims but one. I requested documentation on why the claim was not paid but they still have not sent me the documentation. I have screen shots of the XXXX transactions that went through and the letters they sent me paying all claims but one. I also have a letter from work stating that I was at the work that entire week that the transactions were going through.

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 2023-06-23
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Home was purchased XX/XX/XXXX, in Florida after moving across country in XX/XX/XXXX. Our new to us home was flooded due XXXX XXXX XX/XX/XXXX. There were only few mortgage payments made before the home destroyed and we qualified for a FEMA forbearance for the 3 months starting in XX/XX/XXXX, never was explain to me that after the forbearance, I would have to pay in full. After XX/XX/XXXX, we phoned Planet Home Lending asking if an extend our FEMA foreclosure could be approved, no explanation of repayments after forbearance. Still wasnt living in our home due to the clean up and repairs needed. We were approved for extend for another 3 months. XX/XX/XXXX, phone Planet Home Lending asking for an extend or what other options we had at that time. Representative stated we could not extend forbearance, but we now have pay to make the mortgage payments current after the 6 months of forbearance, which was never explained to me the prior two conversation with Planet Home Lending. Which at this time my family was not living in home due the inhabitable conditions home was still was in. Homeowners and flood insurance was a very difficult process to deal with to get help with coverage for the damages to the home. XX/XX/XXXX, phone Planet Home Lending to apply for mortgage assistance package. They gave me two options repayment assistance or a Short Sell. We applied for both options but were told that you can only get one type of assistance, which 1 chose a Short Sale, at this time I informed that they wouldnt except payments due to Short Sale. XXXX XXXX my credit is decreased due to late mortgage payments. I was told I would be protected due to the FEMA forbearance and then told since there was a Short Sale, I didnt need to make the mortgage payment. Roughly owning {$17000.00} at this time. XX/XX/XXXX a large payment of {$9000.00} and then {$2200.00} was paid in efforts to make the mortgage payments current. The first payment was sent via over night mail and the second payment was over the phone, which was struggle to pay because I was told I couldnt make a payment unless it was paid in full. Planet Home Lending has called every week for a update of short sale of home. I have provided everything they have ask of me. I feel like I was misled into the forbearance rules and because of a act of god, my home was destroyed only after a few months of owning it. The battles weve had to get help from insurance companies to get home home put together has not been enough. My efforts to repairing this home wasnt all insurance claim funding. When assistance was asked Planet Home Lending processes have been confusing and misleading and now its affecting my credit. I am asking Planet Home Lending to please remove the late payments from my credit. I have tried my best to work with this company and make my best efforts to also make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: PA
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:
It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

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 2015-08-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
Champion Mortgage keep sending Me FRUGLANT Bills, which was not Agreed upon in my Reverse Mortgage. I have written to them several times and also Report them to cfpb before, But they still continued sending me those Bills. Attach will be Copies of sum of those Bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXXXXXX. 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 an 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 item 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 explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card with Discover then they cancelled it. Acct no. XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I signed a contract with Rocket Mortgage, to refinance my house, that I owned free and clear. The home did not have insurance as I had bought it for cash tears earlier. As part of the closing, I agreed for home owners insurance and flood insurance to be paid for out of the my equity funds at closing, and then to pay extra each month for the insurances and taxes to be paid in escrow. 
However, something happened with the Flood Insurance and there was a wrong address or something, and I was told the check was sent to the insurance company, but no flood insurance was placed. I then received a letter from Rocket Mortgage telling me I allowed my Flood Insurance lapse. It is impossible for me to allow it to lapse, because it was paid for in closing and is escrowed. 
I contacted the mortgage company and all they would say is they were going to get Force Placed Insurance, so I contacted insurance agent and the mortgage broker trying to find out why I was going on. At this point, the mortgage company and the closing agent should have been looking into this. We eventually got the issue cleared up, which required me having to pay cash to the insurance comp-any, which was not the original contract agreement. 
Meanwhile, Rocket did the Force Place Insurance and changed my mortgage amount, then changed it again, and then charged me for the mistake. 
My mortgage is just under XXXX and I have paid XXXX early every month, yet I have not received full credit for my extra payments, and then Rocket began charging me late fees because I refuse to pay for the mistake in closing. 
Finally, they sold my mortgage and passed the problem to another company, where that company charged me fees that Rocket passed on, including a late fee, when all my payments have been made early. 
Rocket mortgage refused to work with me and fix the mistake that was made in closing. It seems the consumer was the only one not protected during the closing, and all the professional licensed professionals involved in the closing absolved themselves of all responsibilities.

Company response to consumer: Closed with explanation