BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: MIDFIRST BANK
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX was not licensed in the state of Missouri at the time these documents were produced. 
XXXX XXXX produced a FHA loan in XXXX XXXX name, XX/XX/XXXX. 
XXXX XXXX produced a loan in XXXX XXXX name, XX/XX/XXXX. 
Both for the amount of XXXX total of XXXX FHA loans as shown from XXXX XXXX XXXX website. 
XXXX XXXX ' email XX/XX/XXXX stated the Note was damaged when in fact the note was never signed or agreed. 
XX/XX/XXXX new XXXX XXXX sent the Missouri attorney generals office a document stating that it was a Note we signed. 
XX/XX/XXXX XXXX XXXX XXXX sent XXXX XXXX a Note with different signatures as shown in the documentation. 
As shown in the documents provided I have sent new American funding documents showing clear evidence. 
XX/XX/XXXX email questioning XXXX XXXX about the situation, XXXX XXXX stated XXXX XXXX was added later, the reason being not married. 
XXXX XXXX was added later, how is the loan dated 2 months apart with XXXX loan XX/XX/XXXX and XXXX XXXX XX/XX/XXXX? 

XX/XX/XXXX is the date they have on the addendum only in XXXX XXXX name Stating he was married, he worked at XXXX XXXX, documents are robotic signatures. 
He did not work at XXXX XXXX at the time. He was not married. Stating the no cash out refinance was due to a bona fide financial crisis. 
I have attached a XX/XX/XXXX statement showing we were ahead XXXX payments until XX/XX/XXXX. 
No payments were ever missed, we were never in any financial crisis nor did we ever state we were in any situation of financial distress. 
As shown in the document provided In fact we both were not working at the time both receiving unemployment due to XXXX XXXX. 
New American funding received forbearance money XXXX cares act filing form XXXX with the irs XXXX tax documents. 
I believe the information from XX/XX/XXXX was used As you can see the dates XXXX XXXX XXXX loan and XXXX XXXX loan XXXX. 
XXXX XXXX name was removed from the original loan dated XX/XX/XXXX. 
I have sent proof of new American funding using unsafe methods including naf technology open source software and projects to hack into my ip address. 
I have more information and documents I am more than happy to provide, I am not the only person they have done this to the federal government has been made aware XXXX XXXX XXXX has been fined by the federal authorities and have been charged in court for the same reason as I have provided evidence of this is ongoing. 
Underwriting as many FHA loans as possible for issuance payments including modification of documentation and information other than provided or not provided to new 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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was taken by surprise to learn that I was a victim of the ( XXXX XXXX XXXX XXXX ) and was encouraged to obtain my annual credit report from all three Major Credit Bureaus and identity any inaccuracies or fraudulent information that's keeping my credit score from progressing in the right direction to Open a Mortgage, upon review I was taken by surprise learn of I am a victim of fraud ... Credit Card Accounts and Numerous Unauthorized Hard Inquiries. Credit Card Accounts are listed below... 

XXXX : XXXX XXXX TransUnion Account # : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$500.00} {$500.00} {$500.00} XXXX XXXX : TransUnion. XXXX Account # : XXXX XXXX Date Opened : XX/XX/XXXX. XX/XX/XXXX Balance : {$510.00}. {$510.00} These are not my accounts! I filled disputes with each of the three Credit Bureaus and also I contacted the Original Creditors and requested Debt Validation Letters and a Copy of the Original Application/Contract specifically bearing my Signature Consenting to obtain Credit and Permission to Furnish information on my Consumer Report I have not been provided requested 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 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX, I first placed a dispute of various accounts that were showing on my personal credit report, yet were never authorized and were fraudulent due to Identity Theft. Despite placing all proper supporting documents along with the described accounts in the mail with the major credit reporting agencies. Nothing has changed despite me following following their dispute procedures they have not followed the law of the FCRA sec 605b I am in need of assistance in this matter.

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 2023-09-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
Wells Fargo repossessed a vehicle without notice and refuse to let us pay the amount overdue in full in order to re-obtain the vehicle right after repossession that being said, during the repossession, there were many items stolen from the vehicle that we never got back, and Wells Fargo never offered any kind of compensation, nor did they allow it to even fade them back to no pity or remorse from the company at all, was XXXX over the phone that day from them at least. These items were all stolen from the vehicle. 
A XXXX XXXX, a XXXXXXXX XXXX a brand new XXXX XXXX XXXX XXXXXXXX, a pair of XXXX XXXX XXXX XXXX XXXX XXXX, a purse with my identification, my debit cards, credit cards, all of my important information, Social Security number ID and everything stolen from the vehicle. Not even the purse remained multiple tools a large iPod and a XXXX mini XXXX cellular and wifi with XXXX storage. 

All I'm saying is look, there's no way I could even figure out who was the one that was picked up the vehicle. The tow truck driving company wouldn't even allow us to give us the name of the all of the people that picked up the vehicle at XXXX, they just allow us to take the stuff that was left in the vehicle after it had been ransacked Wells Fargo did authorize them to take the vehicle. Wells Fargo is the XXXX who hired them and Wells Fargo is the XXXX who should be liable for anything that their subsidiary company or third-party XXXX did. The same day it was repossessed and we were able to go down and pick up our possessions. The second that we noticed all the things were missing. We immediately called Wells Fargo and told them about it. They should have records of that and all the stolen stuff from the vehicle, and, we have ever heard anything back about our items nor any kind of compensation for those items stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: GA
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 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-07-21
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This situation occurred in XX/XX/2016 where I was renting an apartment in XXXX, XXXX During the events of doing the walk through, we noticed spots on the carpet, mold on the walls, outdated appliances and bathroom. We advised the management that these issues need to be fixed prior to moving in. I paid the deposit and first month first for a total of {$1000.00}. When we moved into the apartment, things looked fine. Around 2 weeks later, I noticed the the stain in the carpet had gotten bigger and the wallpaper was peeling, revealing the mold. The maintenance department was called at least 3 times for various of reasons. Around XX/XX/2016, I was done begging to have issues fixed in the apartment and spoke with management about terminating my lease. The apartment manager at the time decided she did not need to do a walk through of the apartment and preceded to advise me to drop the keys off at the front office when I am done moving out. Now all these years later, the company decided that I owed money for the apartment citing damages were done to the apartment which I advised the collecting company that the apartments failed to do a walk through and anything after I left was untrue. They harassed me, ruined my credit, call me all hours of the day and night after I repeatedly told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: NAVY FEDERAL CREDIT UNION
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am a retired XXXX year old American living in the XXXX for the past 8 years, I am a home owner here and have not visited the United States in 8 years. I am also a recipient of Social Security retirement, VA XXXX and a small annuity from the United States Government. The problem I have is all three credit bureaus tell me they can't send a credit report or credit score outside the United States. I have been a member of the Navy Federal Credit Union for the past 2 or 3 years and everytime I apply for a credit card or a small loan they say I have a lot of negative information on my credit report. I have no idea how to go about fixing this or even knowing what is on it. They say I have opened no revolving accounts in the past 12 months is also a reason for denying me, well here again, I live in the XXXX with my wife and kids so I don't have to need to open an account in the US, I don't live there. Also, they advertise a free annual credit report every year but said they can't send it to me or allow me to see it online. So what can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. 
{ Inquiry Creditor Name, Inquiry Date ) XXXX  Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past six months.

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 2022-06-12
Company: Experian Information Solutions 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:
In Accordance with the Fair credit reporting act XXXX account # ending 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 section 2 it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
like a year ago i asked and disputed my credit report / property damage report that Lexis Nexis supplies to insurance companies. they have information that goes back over 20 yrs i asked them to remove the NON chargeable accidents that are listed on their reports since Per NYS law i shouldn't be held accountable for a hit and run, and i was denied insurance due to this being on their report. As well as the numerous address and phone numbers that are over 7 yrs old. they stated they keep it on there but insurance companies only look in the past 3yrs. I told them i don't care its out dated in accurate and i want it removed i never got an updated report. so i requested a new report this year and again ALL this information is very old and out dated and the NON chargeable accidents are still listed. the report they sent me of my addresses are going back to when i was a teenager and phone numbers that i dont even recall. these things are not necessary and need to be removed from their records. I also want any and all property damages ( auto, homes etc ) that i might be reported on my CLUE  report removed as well anything that is over 7yrs past the statue and needs to be removed. this information is shared to insurance companies and is affecting my rates. I feel that Lexis Nexis is acting like a credit reporting agency but is not listed as a major one like XXXX  and they should be since this affect millions of people who are looking for auto/home policies because this is the insurance companies many source of information. An i find more and more people are unaware that Lexis Nexis is providing this information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: SUNRISE CREDIT SERVICES, INC
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:
I contacted this collection agency initially on XX/XX/XXXX to dispute the debt as they stated to do in their XX/XX/XXXX mailing. Email dispute sent to their collections department ( XXXX ) I never received a response. On XXXX they sent another notice threatening to contact the credit bureaus. Second dispute sent to XXXX and XXXX their collections dept. Also forwarded initial dispute email to the payments department. 

XXXX had failed to apply the proper credits to this account. XX/XX/XXXX, I applied for their federal broadband assistance program that offered XXXX XXXX monthly bill credits for qualified applicants. I received approval XX/XX/XXXX ( see attachment ). I contacted XXXX to apply my credit ( see attachment ). As of XX/XX/XXXX the they had not. I contacted XXXX again and they advised that they would apply the credits retroactive back to XX/XX/XXXX ( see attached ). As of XX/XX/XXXX, they had not applied my credit so I rightfully terminated my service due to their inability to honor my approved application for assistance. 

This is the XXXX collection agency that has attempted to collect on this bill. First agency sent the bill back to XXXX. The amount of this bill is incorrect. The agency needs to contact XXXX to apply the proper credits and resend an accurate bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: 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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-03-12
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Account was opened XX/XX/2018 with BBVA. There was an offer for a {$200.00} bonus for opening a checking account with a {$500.00} balance and maintaining for 3 months. There was also a {$50.00} bonus for opening a savings account and maintaining a {$100.00} balance for 3 months. 

BBVA Compass asked if I would like to opt out of paper statements ( {$3.00} fee ), I said yes. They still charged me for a paper statement on the savings account, causing it to go under {$100.00} and they refused to send the bonus even though I opted out. They did not disclose that this only opts out of paper statements for the checking account. 

They also would not refund the {$3.00} charge even though I contacted them immediately. This bank is shady and hides what you are really opting out of. I believe I am owed {$50.00} for maintaining my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL SEE LETTER ENCLOSED

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 2023-03-31
Company: Experian Information Solutions Inc.
State: IL
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 {$11000.00} XXXX XXXX XXXX {$1800.00} Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/2020 My consumer right has been voiolated according to 15 us code 1681 ... .. inaccurate information is listed on my report which should be deleted immediately

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