BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly remove the following items in my credit report : 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 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 2022-11-10
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Blitt and Gaines XXXX XXXX XXXXXXXX XXXX the number on the credit card was stolen I was notified by XXXX of this they cancelled out the number were supposed to send a new card never did continue to pay amount on bill then XXXX stop accepting payment then they blow the amount to {$5700.00} dollars you try to explain the situation then the finger pointing starts with XXXX and XXXX XXXX Blitt PC and I'm caught XXXX XXXX middle all they have to do is look in there computer and they will see it but again neither one will do that my wages are garnished now which is wrong they dropped the ball not me.you can't talk to neither of these XXXX  right now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I received an escrow analysis from Specialized Loan Servicing XX/XX/2023. 
they projected an increase of monthly escrow and shortage payment total of {$400.00}, the figures for real estate taxes they paid were incorrect. I contacted XXXX County treasury and requested receipt of taxes paid for 2023. speicalized Loan paid the correct taxes but used incorrect figures in the escrow report. 
sent a Notice of Error requesting correction which they received on XX/XX/2023. 
the Notice of Error also pointed out the my property has senior tax freeze so the taxes will not increase. 

speicalized loan servicing has not responded as of XX/XX/2023 to the Notice of Error, which is past the 5 day window for response. 
additionally have sent 2 emails through their web site asking for a respsone. 
the mortgage payment due XX/XX/XXXX with a grace period ending XX/XX/XXXX. I have not sent the payment with the increased escrow portion as I am very concerned they will not correct the escrow error.

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 2023-10-31
Company: Aldous & Associates, PLLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Illegitimate company tried to say i owed them money. They are harassing me and threatening to damage my credit if I do not pay up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i have a auto loan with Santander. i had been in the hospital for four months. i called Santander approximately 4 times to make arrangements to make installment payments on my car note to bring them up to date. They agreed to take weekly payments of {$240.00}, which were automatically deducted from my account, which is current. 
Because I was in the hospital they allowed me to pay {$240.00} per week to play catchup to my car payments and made them current. 

So i would like them to retract the late notices on my credit report because they knew i was in the hospital and they agreed to make payment arragements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Plaintiffs claim is that Nationstar Mortgage LLC are attempting to collect a debt on a fraudulent contract entered into by the Plaintiffs and XXXX Bank XXXX. on XX/XX/XXXX. This mortgage/promissory note has been disputed and the Nationstar Mortgage XXXX and XXXX Bank XXXX N.A. have refused to answer the Plaintiffs request for validation of debt, proof of Defendants being the holder of the alleged mortgage note and proof that the original contract with XXXX was not fraudulent as alleged by the Plaintiffs. Attached is the Affidavit of Truth Affecting Realty which was sent to the Defendants on XX/XX/XXXX and filed with the County Register of Deeds on XX/XX/XXXX. 

The Plaintiffs sent a second Notice of Demand for Payment on XX/XX/XXXX for the illegally collected debt payments of {$140000.00} which the Defendants have not paid. 

The Plaintiffs sent a NOTICE OF DEFAULT CERTIFIED JUDGEMENT OF UN-REBUTTED AFFIDAVIT on XX/XX/XXXX to the Defendant, Nationstar Mortgage XXXX. 

Nationstar Mortgage XXXX are alleging that the Plaintiffs owe {$190000.00} and are putting the property for public sale on XX/XX/XXXX. The Plaintiffs not only dispute this claim by the Defendants but request that the sale be halted and the Defendants provide the court with proof that the original contract/mortgage/promissory note is in fact lawful. 
The Plaintiffs demand that because the Nationstar Mortgage LLC and XXXX Bank N.A. have not proven that a debt is owed and have defaulted on the Certified Judgment of Un-Rebutted Affidavit, the Defendants must send a Certificate of Satisfaction, a Final Mortgage Statement that is zeroed out and an official letter from Nationstar Mortgage LLC declaring that the mortgage is paid off and the return of the cancelled promissory note to the court and to the Plaintiffs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX - received string of emails alerting me and confirming a new account being opened XX/XX/XXXX - received paper statement in mail XX/XX/XXXX - went to bank to explain that I didnt authorize the account to be opened ; got directed to their fraud department who found that my social was attached to the account XX/XX/XXXX - started calling financial institutions to freeze all accounts

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 2022-11-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I have a mortgage with Chase on a single family home purchased in XX/XX/XXXX for {$310000.00}. I put in a 5 % down payment, so I financed 95 % XXXX with Chase. 
I want to remove the PMI from my mortgage as I have certainly reached the point where my mortgage is below 80 % XXXX because I have paid down the mortgage and home values in my area have increased significantly over the time. Chase refuses to help and refuses to do an appraisal of the property to analyze the situation. 

I talked to Chase in XX/XX/XXXX about removing the PMI. They mailed me a form to fill out for the request. I filled out the form, I sent them {$100.00} for the appraisal as requested, I listed about {$8000.00} in completed improvements, as they asked. They cashed the check, so I thought the process was started. A few days ago I received a check from Chase for {$100.00}. I had a chance to call them today. I was told the PMI will not be removed and the process was cancelled because the home improvements that I listed are not enough. I told them that of course the home improvements are not enough. It's not about the home improvements mainly, it's about the home values going up which should put me well below 80 % XXXX, so no more PMI should be required. I was told the only thing I could do is fill out the same form again and send them the {$100.00} again. What for, I asked? We already did that and got nowhere. They have no other recourse. What!? 

My mortgage balance is about {$290000.00}. The house value estimated by all these real estate websites is showing around {$400000.00} to {$450000.00}. Again, property values around me have been increasing. If my house appraises for {$370000.00}, I'm at 78 % XXXX. 
I would like assistance with Chase so I can get the house appraised so the PMI can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Exeter Finance Corp.
State: WI
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666B a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it 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 2019-09-23
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX/CAPIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2021-09-15
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I have disputed an unverified inaccurate bankruptcy on my credit report with the XXXX, XXXX, and XXXX and all 3 keep reporting the bankruptcy is verified by the data furnisher LexisNexis. As of XX/XX/21 LexisNexis did an investigate and said there in no bankruptcy in there fields ( see enclosed letters ). But this can't be true, because all 3 credit bureaus keeping coming back said its verified as accurate from the data furnisher lexisnexis. I have tried numerous times with each credit agency to remove the inaccuracy from there files and said lexisnexis has verified as accurate. XXXX XX/XX/21 # XXXX, XXXX, XX/XX/21 XXXX certified bankruptcy. XXXX XX/XX/21 # XXXX # XXXX, XX/XX/21 # XXXX verified as accurate. XXXX XXXX, and XX/XX/21 file # XXXX all still referencing the bankruptcy in there files verified as accurate. Not one time has any dispute come back NO bankruptcy and the common denominator here is LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Immediate Removal of Inaccurate Charge-Off Reporting I am writing to demand the immediate removal of inaccurate charge-off reporting from my credit profile by XXXX. I firmly believe that this reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681b. 

I have recently reviewed my credit report obtained from Equifax and have identified inaccuracies related to charge-off accounts. This misinformation is severely detrimental to my creditworthiness and financial standing. I insist on the swift removal of these inaccuracies, as required by the FCRA. 

I demand that you take immediate action to remove these inaccuracies from my credit profile. Delays or further investigations are unacceptable in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: Affirm Holdings, Inc
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/ SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act AFFIRM INC  XXXXXXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I made a purchase with my American Express card, for a vacation package. The date of the purchase was XX/XX/2022. The price of the package {XXXX} flight and hotel combine together. Unfortunately the flight was cancelled by the airline. On the date of travel. Citing issues with the airplane. The agent at XXXX ticket booth ensured me that I would get a full for the ticket only with 7-10 business. When I contacted the hotel they were giving me the run around which prompted me to file a dispute with my credit card American Express. The biggest mistake of my life. It has been an uphill battle getting this issue resolved. American Express will credit my account then reverse. This is a dispute nightmare. XXXX claimed that they attempted to refund me back my money but because I dispute the charges. Granted I was only trying to dispute the hotel charges. American Express took upon themselves to chargeback the entire amount. Causing XXXX refund to kickback. Then American Express turned around and refuse the chargeback. American Express is by far the worst credit company known to men. And I honestly believe that there needs to be an investigation on their business practice. This is the second complaint file with your agency regarding this matter with American Express. They will issue a XXXX apology give me a temporary credit then reversed the credit a week later. With no valid explanation. At this point something has got to give. I will include copies of the live chat conversation with XXXX to support my claims. But knowing how American Express does their dispute it really doesnt matter. Im only filing this complaint as my last resort. Before seeking legal counsel. Because American Express is not following their purchase protection claims policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had multiple incidents over the last year to where I was consistently given inaccurate information concerning the status of my account which has contributed to my account falling behind. I was approved for XXXX XXXX for a lump sum payment back on XX/XX/XXXX and also approved for an additional XXXX XXXX  starting XX/XX/XXXX. I was told that XXXX was covered and partially of XXXX and the rest was put into a repayment plan which brought my current mortgage of XXXX to XXXX. I called in a few days ago and was told that since XXXX XXXX sent in XXXX that I only owed XXXX. I just received an abrasive call today from XXXX XXXX as well as the XXXX XXXX who was also abrasive ) saying that the repayment plan started in XXXX and a repayment plan letter was sent out, in which it wasnt. Instead I got a threatening letter saying that I owed roughly {$5000.00} which is inaccurate. I called concerning the letter and she said that I shouldnt have gotten that letter and that I would continue to receive only the letters stating that a late fee was assessed since I was on a repayment plan. There was no mention of a repayment letter being sent out until today. XXXX also mentioned in a threatening way that this repayment plan had failed and although she could restructure the plan that if I failed again then I wouldnt be eligible for a repayment plan again. In my experience since Covid, this company is purposefully giving out inconsistent and inaccurate information to purposely make me default. 

I plan on filing a lawsuit and any assistance would be appreciated.

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