BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MD
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion ; XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-07-06
Company: Affirm Holdings, 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:
Dear CFPB this is in response to CFPB complaint XXXX XXXX and XXXX with Affirm, in my most recent complaint with affirm they stated they sent me an affidavit on XX/XX/23 but thats not true cause I received the affidavit on XX/XX/23 and filled out everything and emailed back on XX/XX/23 will attach that supporting documentation which then means affirm is not keeping accuracy here in reporting things correctly as an added measure I filled out two additional affidavits on XX/XX/23 which both contains the additional supporting documentation such as a data breach letter I received on XX/XX/23 where my Personal information was affected and also an XXXX representative email that even states they could not find the order # XXXX related to my XXXX account that affirm is accusing me of, Dear CFPB if you also head over to Affirms XXXX XXXX XXXX complaint reviews you will notice this is a common issue with affirm where people whos Personal information may be compromised and loans are getting taking out fraudulently affirm does poor investigations into peoples fraudulent loans which is my experience, if the supporting documentation I gave them is not enough Im requesting affirm provide valid proof such as the tracking number and delivery of address for the XXXX order there accusing me of as well as the location where the electronic signature was signed taking out this loan with affirm, this matter needs to get resolved now and with urgency and removed from my credit profile immediately as Im a victim of identity theft! I will get my California state attorney and Federal trade commission involved in this matter if affirm doesnt fix this issue immediately and with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi! I am filing a complaint against Western Union regarding a fraudulent activity that occured on XX/XX/2019 around XXXX XXXX. My online Western Union account was hacked and someone transfered a total of {$3800.00} in two separate transactions of {$1900.00} each. The hacker attempted for a 3rd transaction but due to inadequate balance in my bank account, the transaction canceled. To minimize red flags, the hacker used my friend 's name as the " recipient '' since I had sent her money in the past but they used a " fake address '' which was XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Nothing comes up when you XXXX that address. 

I found out about the fraud 3 days later when I checked my bank account and found the balance to be close to zero. I called Western Union and they told me that since the transactions have been completed they will not refund me the money, I should file a report with my local police. The report # they provided me is XXXX. I have raised some very important concerns to Western Union for which I haven't yet received a reasonable explanation. They are listed as follows : 1 ) how was the hacker able to put in a fake address in the system? Why didn't the western Union app gave some kind of an error? While he used my friend 's name and phone number the address was entirely wrong including the ZIP code. 
2 ) even if the person was able to transfer, how could they pick up the cash in person with a fake address? You need an Id and a " pan card '' ( for tax purposes ) in XXXX to withdraw any amount over {$45000.00} so how was the person able to do that? 
3 ) When someone transfers money using a bank account it takes 0-4 days, in the past when I have sent money it has taken 3 days but somehow I qualified for the faster delivery that day and the money was available within minutes. I saw the email later. 
4 ) How could they approve the same transaction of {$1900.00} twice? If I had money in my account they would have allowed it to happen the 3rd time too. 

Western Union won't reveal the personal information the person who picked up the cash from a Western Union location such as the id that was scanned. They would only give to the law enforcement. While I am going to lodge a complaint with my local police, I am not sure if anything will come out of it so I wanted to try this channel so I can be heard. It was my hard earned money that I lost in a split of a second. I demand refund from Western Union for their negligence.

I really hope someone can look into this. 

I am attaching a few screenshots of the emails I received from Western Union that will show you the details. 

XXXX ( XXXX ) JXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant XXXX  and financial XXXX. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2017-10-12
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have attempted to submit request for modification several times but my documents were lost, or claimed not received. After my financial situation worsened I called lender and requested short sale, sent all required documents via fax numerous times, but instead of contacting me or my real estate agent for any missing documents, Nationstar/ aka XXXX just sent me Notice of foreclosure sale scheduled in less than 30 days I keep calling but I only get voicemails, no live rep to talk to, fax line always busy, unable to refax my request and all paperwork for short sale It seems they literally do NOT answer phones, have non working fax numbers so consumers like me are facing foreclosure Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: AZ
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX XXXX/2022 XXXX/2022 XXXX XXXXXXXX XXXX2022 XXXX XXXX2022 XXXX XXXX XXXX XXXX/XXXX/2022

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 2020-02-18
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The collection agency or law firm -- Kimball, Tirey and St. John LLP of XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX has been making calls to my elderly Father, assigned his social security to an unvalidated debt, and have hurt his credit, caused emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX 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 XXXXalance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX/ XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 XX/XX/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.

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 2016-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Two different times, XXXX different Capital One Bank 360 customer service representatives misled and misinformed me about applying for a Capital One Bank 360 checking account overdraft line of credit. The first took place on XXXX XXXX, 2016, and the second took place, a day later on XXXX XXXX, 2016. I specifically asked both Capital One Bank 360 customer service representatives, on two different occasions, if me having a security freeze on my XXXX credit file would affect/stop Capital One Bank, in any way or form, from receiving my credit score and both times, both different Capital One 360 customer service representatives confirmed with and assured me that the security freeze would n't affect/stop Capital One Bank from receiving my credit score from Equifax. Well now I have XXXX inquiries from Capital One Bank on my XXXX credit file and both of those Capital One Bank inquiries are now unfairly lowering my credit score. Capital One Bank never received my credit score from Equifax because of my security freeze. Capital One Bank then also totally denied me a XXXX checking account overdraft line of credit and is now also refusing to remove both inquiries ( XXXX XXXX, XXXX XXXX, 2016 ) from my XXXX credit file but this time Capital One Bank 's 360 customer service representative are recommending that I contact XXXX directly so that I can have XXXX lift my security freeze temporarily so that I then once again reapply for another Capital One Bank 360 checking account overdraft line of credit but before I do that I need the XXXX previous inquiries totally removed from my XXXX credit file because I refuse to add yet another Capital One Bank related inquiry on my XXXX credit file so that my credit score is lowered even more and especially when the XXXX Capital One Bank related inquiries that are already on my XXXX credit file, are there because of me being totally misled and misinformed by Capital One Bank 's 360 customer service department and/or representatives!!!! I do want and need an overdraft line of credit on my XXXX checking account. Also in both of the denial emails I received from XXXX was there ever a mention about my XXXX security freeze causing XXXX any type or form of problems or delays, whenever XXXX requested my credit file or score from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed inquiries to Equifax in what should be part of a shopping window. On their website it says if you get an inquiry for home shopping or car shopping then between 15-45 days it should only count as one. My risk factor says too many inquiries are impacting score. They are mortgage pulls and should be in Equifax 's shopping window. I disputed online and the dispute was closed very quickly stating " inquiries are a factual record and will remain on file for two years ''. There is no place online for me to explain this is within their own shopping window. I call and no one knows what I am talking about. This is very frustrating to me and makes me angry that they are violating their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
a suspect stole my credit card number and use it to buy XXXXXXXX XXXX and XXXXXXXX XXXX i have never use this aplication to order food before they stole {$880.00} the thieves star using my credit card on XX/XX/XXXX to XX/XX/XXXX i am very depressed that bank or america does not want to resolve this i am a XXXX yrs old and i have a hearing problem and the bank refuse to resolve my case

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 2023-05-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Thank you for your response on XX/XX/2023, regarding my dispute of the collection account on my credit report for the auto loan with account number XXXX and account name XXXX XXXX XXXX. While I appreciate that you have updated and verified the account, I am still concerned about the accuracy of the information being reported. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of the accuracy of any information on my credit report. Additionally, under the FCRA, credit reporting agencies are required to conduct a reasonable investigation and provide me with written confirmation of the results of your investigation within 30 days of receipt of my dispute letter. I have yet to receive any information on how you verified the account. 

Therefore, I am requesting that you provide me with detailed information on the method of verification that was used to confirm the accuracy of this account. This information should include the names and contact information of any individuals or organizations that you contacted during your investigation. I also request that you provide me with a copy of any documents that were used to verify this account. 

As a consumer, I am entitled to accurate and complete information on my credit report, and the FCRA requires credit reporting agencies to ensure the accuracy of the information they report. If you are unable to verify the accuracy of the collection account, I request that you remove it from my credit report immediately. 

I appreciate your prompt attention to this matter, and I look forward to receiving the requested information within the next 30 days, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX/XXXX/XXXX, I consummated a Home Equity Conversion Mortgage ( HECM ) Loan with XXXX XXXX XXXX in the amount of {$350000.00} with an interest rate XXXX XXXX 

The loan is based on an appraisal performed by XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was hired by XXXXXXXX XXXX XXXX and appraised the value of the property at {$230000.00} Foreclosure Action Against Me On XXXX/XXXX/XXXX, a Lis Pendens and a Foreclosure Complaint were filed by XXXX HECM Acquisition Trust XXXX ( who bought the mortgage from XXXX XXXX ). 

The complaint contains 3 different allonges to the note and mortgage assignments that show ownership was transferred multiple times. 

The first Allonge and mortgage assignment appears to have transferred ownership of the note from XXXX XXXX XXXX to  XXXX XXXX XXXX in XXXX. 

The second Allonge and mortgage assignment indicate the note was assigned from XXXX to XXXX XXXX in XXXX. I was not informed of this transfer. 

The third Allonge indicates the note was endorsed in blank by XXXX  XXXX. the third mortgage assignment indicates the mortgage was assigned to the XXXX XXXX XXXX in XXXX. I was not notified about that transfer either. 

Transaction History I requested a copy of the transaction history from XXXX  XXXX. However, it was incomplete. The transaction history begins at XXXX/XXXX/XXXX and ends at XXXX/XXXX/XXXX. This would make validating the amount of the debt almost impossible. There is also no indication of me not paying my taxes or that XXXX paid them. 

After XXXX began foreclosure proceedings, I began researching my loan because things that XXXX was alleging in the foreclosure complaint did not seem right. 

First, the legal description indicates the lien was not properly conveyed to the property. The legal description on the mortgage does not match my deed. 

At some point during the origination of the loan in XXXX of XXXX, XXXX XXXX XXXXl committed mortgage fraud by giving FHA fraudulent information about this loan to get it approved. 

XXXX XXXX XXXX gave me a reverse mortgage in the amount of {$350000.00} on a property valued at {$230000.00} according to the appraisal supplied by XXXX XXXX. 

Being XXXX  years old at the time of consummation, I was only eligible for a maximum LTV of 55 % of the value of {$230000.00}. My reverse mortgage should have only been in the amount of {$120000.00}, not {$350000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
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 15 USC 1681. Account name : 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 XXXXXXXX, 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 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