BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: VA
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 Consumer XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX XXXX has violated my right to privacy by furnishing information about me without any lawful authority. XXXX XXXX is a also in violation of Regulation Z XXXX ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. XXXX XXXX was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information by XXXX XXXX and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, XXXX, and Experian has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with XXXX XXXX Must be removed. XXXX XXXX was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. XXXX XXXX has continued to report on my consumer report as a way to extort me for money 18 usc 894 which says that the collection of extension of credit by extension is a criminal offense and any two or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-02-01
Company: EQUIFAX, 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:
Two credit card accounts were opened fraudulently in my name in XXXX and XXXX of 2022, respectively. One with XXXX XXXX and the other with XXXX XXXX XXXX XXXX. I immediately contacted both companies once I became aware of the fraud and they each closed the accounts and sent me confirmation letters. Both Equifax and XXXX both still show credit inquiries from both creditors still to this day and they tell me that the only way to get them removed is to start a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is a follow-up to my complaint regarding Trans Union. My original complaint filed with the consumer financial protection board and a number XXXX. The complaint was closed out because they claimed it was a duplicate complaint and that it had been responded to. Partially very true partially very false. It is a duplicate complaint. Trans Union did respond to my complaint. But in effect in my complaint I asked for 2+2 equals and they answered the cow jumped over the moon. Yes they did respond to my complaint but they never answered it they danced around it like XXXX XXXX. My complaint was why did they show me as being delinquent on a loan when I wasnt. They claimed I shouldve contacted the mortgage company. I did contact them before I ever contacted Trans Union. They cooperated and gave me copies of all reports they submitted to Trans Union. They never told Trans Union I was delinquent on a loan. Trans Union has yet to answer my question why they show me delinquent on alone when I was not. So yes this is a duplicate of a duplicate of a duplicate. And its because Trans Union has answered questions that were never asked. For example Trans Union responded to my complaint at the freeze was removed. But I never complain to Trans Union about the freeze not being removed. I will restate it again Trans Union went public With me being delinquent On a loan and I wasnt in the bank never reported it. And a base that and all documents given to me by the bank. So Ill ask again for Trans Union give me a copy of the report they claim they got from the bank stating I was delinquent or answer why they showed me is delinquent when they never got a report from the bank

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 2022-02-16
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested through BSI mortgage online portal a Covid foreberance. I have called multiple times and I have received nothing. I call customer service and ask and they keep telling me paperwork is in the mail. It's been about 1.5 months. I am current on my mortgage and never been late but I am struggling financially and this is a hardship. My last call was today to follow up and the representative named XXXX started asking me why I applied for Covid forbearance and I told her I was laid off work, she wanted to know Why or how this was Covid related. I honestly was offended and she was raising her voice to me and I asked her why she was upset. My family was affected by XXXX. She kept insisting on for me to provide her a valid reason. I don't understand if she wanted proof. I had already filled out the application online and explained my reasoning for the request. She still kept insisting she needed more reason.Please assist me. I am current but if I don't get a job soon I will get behind and I don't want to lose my home. XXXX XXXX XXXX XXXX XXXX Covid has affected the entire world, including jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Investigation took more than 30 days

Complaint:
The currently reported XXXX XXXX  with account number displayed on my Trans Union report, shown as XXXX. the information I not REPORTED on XXXX in this reported claim on my XXXX report, and alleged as on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a foibleness from the mandatorily utilized reporting industrys own Metro 2 Data- filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements XXXX With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury.

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 2020-03-09
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: NAVY FEDERAL CREDIT UNION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023, I was trying to sell a XXXX XXXX XXXX  on XXXX marketplace, and the guy said he sent me XXXX thru XXXX, but because I didn't have a " business '' account, the funds didn't go through. So XXXX ( fake ) sent me an email, that said the guy had to send another payment, and I would refund that payment to him. And that I would get my payment of XXXX to my account in an hour. In an hours time, " XXXX '' called me back and sent an email, stating that they guy sent me XXXX accidentally and I needed to refund him another XXXX ( total XXXX ). " XXXX '' said I would receive my original payment of XXXX within an hour, but I have not received it. I called my bank and they can not refund or stop payment and gave me " XXXX '' number, but they are not available to assist nor can help me. 
I do have emails from these scammers if you need them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was selling my vehicle for {$25000.00} the payoff on the vehicle was {$16000.00}. The buyer gave me a certified bank check in the amount of {$25000.00}. On a recommendation from the bank teller at my local branch when depositing the check they said I should put the whole payment towards the payoff of the vehicle and they will refund me the overpayment amount. They said the title would be released in 3 business days and so would the refund check. Ive called Bank Of America everyday for the last two weeks and everyday I get a different story as to why they havent released the title yet. They tell theres a hold on it but no one will tell me why. Every time I call they say it will be released tomorrow this went on for 2 weeks then it was to be released on XX/XX/XXXX. I called on the XXXX and they said it would be released on the XXXX. I spoke with them again on the XXXX and now they tell me it should be released on XX/XX/XXXX. BOA is putting me in a very dangerous financial situation the buyer wants the XXXX returned to him ( which I have no way of doing that ) if I dont get the title to him soon. Its a scary time to think banks can scam people out of their money and property. I have done everything correctly in this situation and they refuse to release my title and refund check.

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 2016-10-12
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am victim of Mortgage Fraud perpetrated in XXXX. 
I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NJ
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  # XXXX, 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

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 2022-02-16
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:
I started disputing an account that is on my credit report that is not accurate. There were mechanical problems with the car and when I took it back to the dealership to get it fixed, I went back a few days later and the dealership was closed up and gone! It's now another company and no idea where the car went that I had taken for repair. I should not be penalized for a dealership going out of business and taking my car with them!

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 2023-04-27
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:
in 2020 i tried to buy a house. the loan officer ran my credit and there were three pending accounts that were not paid. one with XXXX XXXX, second with XXXX XXXX, and the last one with XXXX XXXX. the first two accounts were dropped because the loans were in XXXX and XXXX I contacted XXXX XXXX  and mentioned about the identity theft, and they responded that I had " benefits from the purchases ''!! XXXXXXXX XXXX sold the debt to Midland Credit Management, and now they are suing me for the account i never opened or had any idea of existing. i would like this allegation to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My main concern is that Nationstar Mortgage is not my creditor nor the holder of my mortgage. Nationstar Mortgage is filing forged documents with my Recorder of Deeds ( Mortgage Assignment ). The assignment has been proven fraud and to make more insult of this situation, they have charged my alleged mortgage account for the filing and completing of the charges to file the forged assignment. The entire mortgage from inception was a sham and we just recently received information from the XXXX settlement that state that there is no way that the loan was originated with XXXX XXXX XXXX XXXX. I have provided this proof to Nationstar Mortgage and yet they continue to send me billing statements claiming that I owe a mortgage to them by way of assignment from XXXX XXXX XXXX XXXX. They even threatened foreclosure on my home without any right to collect but the evidence that I provided the court made Nationstar Mortgage mark that case settled, discontinued and ended without prejudice, so that they can now go back and create more fraudulent documents to probably start again. This company is violating debt collection rights and other offenses. I asked this company to provide my original paperwork and they even forged that information ; on their forged original application it states that we are both white and I am XXXX and my husband is XXXX. I am submitting a copy of all forgeries for your review. This company has also offered me an illegal payment plan including a new mortgage agreement which they would not be entitled to payment for. I asked for a copy of their business records and even in the records are transactions that say advise to call XXXX to create a mortgage assignment. The records also include a line saying that they are aware that the title is corrupted and that the assignments are fraud. I asked them to provide an original copy of the note and mortgage and both were forged and the mortgage even shows a different return to address, different signatures and initials. They were even so sloppy that they put part of the notary seal on opposite sides ( compare the mortgage fake document to the mortgage recorded mortgage to see the forgery ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Affirm Holdings, Inc
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX XX/XX/XXXX, I contacted Affirm to dispute a transaction I made on XXXX XX/XX/XXXX. I purchased an item on XXXX for {$2400.00} and used Affirm to finance the purchase with three payments and zero interest. The purchase was defective and I contacted Affirm within their stated 60-day dispute policy. I received confirmation of their receipt of the dispute on XXXX XX/XX/XXXX. In that confirmation, they said it would take up to 90 days to resolve the dispute. Ninety days has now been exceeded and there has been no contact from Affirm and no resolution provided. 

I provided Affirm with digital and hard copies of all documentation in the original letter. I also informed them that the XXXX seller closed their account, possibly in order to avoid having to take the item back. To date, I have paid two payments of {$830.00} for a total of {$1600.00} and there is one remaining payment of {$760.00} that is on hold. Their website is not allowing me to make additional payments on this line and they have declined to provide additional lines of credit with the reason stated that I am late with a payment ( in fact, the final payment of this line is showing as overdue as of XXXX XX/XX/XXXX even though it was in dispute for over 30 days prior to the payment becoming due ).

Company response to consumer: Closed with explanation