BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$9900.00}, {$9300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

3. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.

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 2022-03-23
Company: Experian Information Solutions 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-03-23
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/XXXX, I went to a time share presentation with my new husband by XXXX, a subsidiary XXXX XXXX. The time share said they were using my social security number to check if I was eligible for the time share and mentioned along the way that I was eligible for a credit card. I told them I wasn't interested in any of the products and signed a piece of paper declining services. Later that day I received an email " confirming my new credit card from XXXX. '' At no point did I agree to a credit card and it was signed up for using my maiden name. I hadn't told the presenters I took my new husband 's name so they signed me up using my maiden name without ever asking my current name. They didn't even ask if I wanted the credit card but I had told them I didn't want to take on any more debt specifically. This is really bad. My new husband and I were in the process of applying for a HELOC to pay for our wedding and I am incredibly worried their fraud is going to prevent me from being able to pay for our wedding. I need help getting out of their credit card and repairing my credit score. Thank you for anything you can do!

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 2022-03-23
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked them to stop calling me every hour every day. I have told them I wanted a signed contract with my signature where they say I owe them for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I RECEIVED A LETTER FROM MIDLAND CREDIT MANAGEMENT ABOUT A CREDIT CARD THAT I DON'T HAVE ANY KNOWLEDGE OF AND SAYING THEY ARE CONSIDERING FORWARDING IT TO AN ATTORNEY. I'M ATTACHING MY CEASE AND ASSIST LETTER WITH THIS COMPLIANT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
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 am respectfully requesting the Credit Boroughs in accordance with The Fair Credit Reporting Act, please correct and update their records to reflect my correct information.

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 2018-09-20
Company: BRite Financial Services, Inc.
State: OH
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 been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
It all started on XX/XX/XXXX and XX/XX/XXXX. My account was hacked via XXXX from the following people : XX/XX/XXXX XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} I did not know until XX/XX/XXXX when Bank Of America texted me beginning at XXXXam until XXXX am when I woke up and saw the message. I immediately responded no that I did not authorize the transactions. 

A few days later Bank Of America sent me a letter stating that I had withdrew too many times as my savings account allows 6 times, but they approved the XXXX transaction. I immediately called the fraud department and filed a claim. 

About XXXX weeks later I received a letter from the fraud department stating that it was denied because I apparently made those charges. I then went to my bank and they asked for my claim to be re-opened as I do not have a XXXX account. 

XX/XX/XXXX, Bank of America XXXX department sent me another letter stating they would not credit my account because the devise used was consistent with previous valid account activity. 

I went to the bank yesterday, XX/XX/XXXX to close my accounts and I was able to close my checking account, but could not close my savings account until I called the XXXX department and asked them to release my money. After being on hold for XXXX hours, I was able to close my account and today. 


Prior to this fraud I had never used XXXX. In fact I had never heard of XXXX and never authorized Bank of America to add this service to my account. I did not authorize these XXXX transactions if it was done through an associated IP address then that devise was hacked because it was not me. Bank of America obviously felt like this was fraud or they would not have sent out the fraud texts but yet they still allowed the money to leave the account.

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 2022-06-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following listed accounts below has violated my rights. 

XXXX XXXX XXXX  Account # 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, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX To : XXXX XXXX Mr. Cooper Customer Relations Specialist Please investigate and fix my Mortgage Principal Balance. Do not reply just for the merit of replying. This is my Third Request. 


REFERENCE : XXXX Wrong Increased Mortgage Loan Principal Balance. 

PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX MORTGAGORS : XXXX XXXX PLEASE SEE DOCUMENTATION ATTACHED THAT VALIDATES MY ARGUMENTS ABOVE. PLEASE INVESTIGATE AND FIX MY MORTGAGE PRINCIPAL BALANCE IMMEDIATELY. 

XXXX XXXX this a response to your email I received on XX/XX/XXXX, on my personal email XXXX. 
1. You incorrectly stated, Regarding the interest rates of this loan : On XX/XX/XXXX, the starting interest rate was 6.625 %. '' The interest rate on XX/XX/XXXX. XXXX to the present is 3.750 %. 
2. You incorrectly stated, The prior lender was XXXX XXXX XXXX XXXX Please see the XXXX Mortgage statement from XX/XX/XXXX. Please, be advise that this statement has the wrong principal balance. 
3. On XX/XX/XXXX Nationstar/Mr. Cooper got the loan from XXXX Mortgage and raised my fixed interest rate from 6.625 %. to 6.63 %. 
4. On XX/XX/XXXX Nationstar Mortgage changed my interest rate to 4.750 % after I was already approved for interest rate 4.625 %. 
5. Please see the payoff demand statement from XXXX from XX/XX/XXXX. The total amount to release my mortgage loan was {$270.00}, XXXX Please investigate before responding to me as this is the second letter response without an attempt to fix the problems in my principal loan balance. Please fix my Principal Balance immediately as requested on my previous letter dated XX/XX/XXXX. 



Thank you, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were transferred over to Mohela in XX/XX/2022. Several employment certifications for PSLF had been sent over from XXXX XXXX. My counts were not updated. In XX/XX/2022, I took the day off because despite the transfer my loans had inaccurate counts knowing that the wait times would be longer than typical. Some payments had been counted while others had been excluded with no rhyme or reason. After spending all day on the phone I finally spoke with a supervisor who found that they had indeed overlooked employment certifications and she told me they would escalate it up to ensure those accounts were accurate. That never happened. I called again to find out why nothing had happened, and was told the request was cancelled. I asked to talk to a supervisor, and waited on the phone for two hours. No supervisor ever picked up. I called again today because nothing has changed. I was told that I was " approved '' but my employment was not certified. This makes no sense. I asked to speak with a supervisor and was told that I was not allowed to unless they got special permission. She said she would go ask, and then she left me on hold and never came back to the call. At this point I have spent over 14 hours on the phone with Mohela, and they have refused to fix a mistake they already acknowledged they made. In addition, they are not allowing access to appropriate individuals who can address the problem. They had all my paperwork in XXXX XXXX XXXX and have done nothing with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am a current member of Penn Federal Credit Union. I applied for an auto loan and my credit score and income was sufficient. The company asked me to send in my 2 year tax returns. The company denied me. For some reason the company was denying me based on fraud or doubting my income. The investigator called me asking questions over my income and stating its impossible I make over a million a year with combined income of multiple businesses. At that point I felt really bad that he was discriminating against me because of me being XXXX. He told me he has my account flagged as fraud and any auto loan that I apply for will be denied. Then he asked me did I get my credit repaired? I am a XXXX  XXXX and he also told me most XXXX  XXXX  are bogus and fraudulent

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 2019-03-23
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I requested made an online credit line increase for my Discover credit card account number ending in XXXX. I proceeded through the process of answering several questing pertaining to my finance until I reached the step where I was given an option to continue by clicking " OK '' or " CANCEL '' to the statement " a further review is required, do you agree to hard pull ''. I immediately selected " CANCEL '' and did not receive any further message regarding the request. Several minutes later a received alerts from both XXXX and XXXX XXXX that there was a recent credit inquiry on my account. I accessed those two credit reporting companies where the Discover Card Inquiry appeared. After contacting Discover Card, I was initially told by the representative that she did see the request did not proceed and apparently cancelled. After further disputing with that agent she directed me to a supervisor who agreed to initiate a dispute to XXXX to remove the Inquiry. The inquiry was definitely unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2020-03-13
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez began servicing this loan on XX/XX/XXXX, assuming this role from XXXX. In this process NewRez has been negligent in transferring information financial associated with this loan. 

Documentation for current Homeowners Insurance was not reflected on my account. This resulted in NewRez purchasing a policy on my behalf.Escrow analysis is incorrect and NewRez is lax is having it corrected. The result of this is a {$220.00} increase in my monthly payment. 

I have completed my due diligence in correcting these issues : Proof of policy was uploaded to the proper website.The escrow miscalculation was reported on XX/XX/XXXX. 

Despite my attempts to rectify the manners NewRez has been slow to respond and has yet to attempt to correct the problems. According to my XX/XX/XXXX phone call, NewRez personnel didn't initiate the repair process until XX/XX/XXXX ( 5 days after my initial report ). Personnel were unable to tell me when these problems would be corrected, only that a letter had been sent to me. 

Currently, I have received 2 generic form-letters stating that they are working to gather information. 

I made a XXXX mortgage payment by standard check in the amount I calculated to be correct. This payment has cleared the bank but as of XX/XX/XXXX is not reflected online. I have made several phone calls, waiting on hold in excess of 20 minutes. 

I emailed NewRez on XX/XX/XXXX with no response and then faxed them the same correspondence on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX & 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-03-23
Company: Verisk Analytics Inc
State: FL
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 XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation