BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: AR
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:
Credit was pulled without authorization on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: WI
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$0.00}.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-04-21
Company: American First Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have previously contacted American First Finance about this issue, and they mailed me some letters. After I filed an original complaint with the CFPB a representative from American First Finance LLC called me and informed me that it was fully aware of fraudulent activity involving the online merchant, XXXX XXXX XXXX, and that it would no longer process applications for credit in my name from XXXX XXXX XXXX and/or request credit reports from the major or sub-prime credit reporting bureaus. But just two weeks after receiving that promise by phone call American First Finance submitted another request for a consumer credit report on behalf of an Identity Thief applying at XXXX XXXX XXXX again! And this time, in spite of my having a credit report freeze in place at XXXX, XXXX released a credit report to American First Finance. And by a letter dated XX/XX/2023, American First Finance reported to me it took that action again regarding Account XXXX. The CFPB must implement some enforcement actions against American First Finance and implement and/or enforce rules concerning the Major and Sub-Prime Credit Reporting Bureaus . Such as requiring major credit bureaus to inform their sub-prime credit bureaus they own or are affiliated with that the consumer has established a freeze with them and they must honor it too. To enhance the rule, before releasing a consumer credit report to any entity ( except court ordered releases ) a sub-prime credit reporting bureau shall ask its Major credit reporting bureau if the consumer has a freeze in place. If they are told " yes a freeze is in place '' then it shall not release a credit report and shall inform the finance company or requestor that a freeze is in place and they must inform their customer that he or she must unfreeze their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: NC
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion has once again allowed these fraudulent accounts that were previously blocked and deleted due to identity theft to be re added to my credit report. I do not have any accounts with XXXX XXXX XXXX XXXX. I have not done business with these credit union. These accounts are fraudulent, and these are the result of identity theft. You have received my law enforcement identity theft affidavit and have been notified that these accounts are fraudulent. You then re added these accounts after already previously having your team block these. Please permanently block all XXXX XXXX Accounts this includes credit cards. I do not have accounts with this institution, nor have I ever done business with this institution. They opened these accounts without my permission.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-11-08
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:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

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 2022-05-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan was originally a XXXX loan which was taken over by XXXX XXXX XXXX. I got a loan mod from XXXX XXXX XXXX in XXXX and made every payment according to the loan mod document. In XXXX of XXXX Nationstar took over the servicing of the loan. They told me I did not have a loan XXXX and that I was behind in payments by 11 months. I had all of the cancelled checks that XXXX XXXX XXXX had cashed so I did not understand how that could be. The loan mod was also recorded at the County Recorder 's Office so I knew that I had a loan mod and I had been paying the payments according to what the loan mod said. 
Nationstar began sending my payments back to me and would not accept them so that they could put me into foreclosure and try to take my house. 

I tried to apply for another loan mod to get out of foreclosure but they kept losing the documents and would not give me one. I requested their accounting records but the records they sent were illegible and what was legible was incorrect. They refused to correct their accounting and kept refusing my monthly payments. Attorneys tried to deal with them to no avail and then they said I had to sue them. They kept getting out of the lawsuits on technicalities. One time we went to mediation and their attorneys said that if I dropped the lawsuit they would make sure that Nationstar did not lose my documents so I agreed to that and I applied for a loan mod again. I submitted all of the documents they asked for. While they were supposedly reviewing the documents they put me into foreclosure again. They were not supposed to be able to do that. 

The CFPB and AGs sued them for the same things that I sued them for and they settled with them. Nationstar is continuing to do the same things for which they were sued. I have filed complaints with the CFPB and the last time I did Nationstar said they needed more time to respond and in a letter dated XX/XX/XXXX ( see attached ) they said they would respond by XX/XX/XXXX but they still have not responded and it is the middle of XXXX. In their letter it said I could contact my Dedicated Loan Specialist but when I did that I was told that they could not talk to me. They told the CFPB that they were going to respond to me and not to the CFPB but they never did that. They just lie and continue to breach the settlement order that was posted on the CFPB web site. Is anyone going to enforce the settlement?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
For your consideration, All three credit bureaus have incorrect information listed on my credit report pertaining to previous employers. Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as names of previous employers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous employers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please update my personal info, delete the accounts violating the FCRA and delete the unauthorized inquiries

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 2021-05-23
Company: AMERISAVE MORTGAGE CORPORATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced and the mortgage company calculated the amount of escrow needed and deposited the amount needed for reserves as well as began deducting the amount needed to pay escrow in full based upon total amounts of taxes and insurance. Last month, I received a notice notifying me of an escrow shortage advising that my payments would rise to cover a shortage of {$3400.00}. By utilizing simple arithmetic it is clear the amount reserved and escrowed is sufficient to cover the amount needed for total escrow as well necessary reserves. The process used by Amerisave fails to consider pre-paid taxes and insurance and lender credits. Items that were paid at the closing of the refinance. Upon speaking with multiple representatives, I learned that the calculation is part of a systemic process. The net effect of the methodology is that it requires borrows to pay surprise fees in excess of the amounts agreed to and disclosed in the closing statements. It is a systemic process according to Amerisave officials that could have the tendency to force unwary borrowers into paying higher mortgage payments than are agreed upon or are necessary to meet required escrow expenses and reserves. It goes without saying that many unsophisticated borrowers could be forced into default because of this practice. The sophisticated and systemic methodology is deceptive in nature and because it is systemic can not be addressed by call center personnel according to the multiple representatives I spoke to.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION 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 explanation
Consumer complaint received 2022-05-12
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I filed a complaint about not being able to set up autopay through the online banking. I decided to cut my losses and just do one time payments. I logged into my online banking on XX/XX/2022, two days before my due date, to do a one time payment of {$50.00} which was more than the minimum of {$25.00}. I went through the process to completion and for some reason the payment did not take. My correct routing and account number are in my OLB because Regions ' system picks up that it's an XXXX checking acct. I want all of my late fees waved and for Regions to investigate why I can not pay my credit card through my OLB which is their preferred method and my preferred method. If this method does not work or it is broken, fix it or do not offer it. 

I have all of my other credit card on autopay and haven't missed a payment with any of my credit cards in years except Regions. Regions is and has always been the one that is most difficult to pay and it seems for no good reason. 

Please check my log in records on my OLB. I logged in the morning of XX/XX/2022. Why would I log in just to not pay my 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 monetary relief
Consumer complaint received 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited {$1500.00} at XX/XX/XXXX at XXXX XXXX into a bank of America ATM located on XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Instead of putting in my debit card, I accidently put my credit card and through with the deposit process. A screen showed up and says " We're sorry but a machine issue has occurred and we can't complete your payment or return your cash ''. The machine didn't count or give my money back so i called Customer Services the following XXXX since the offices were closed. The bank informed me they would offer a {$1500.00} credit on my account while they resolve the issue for 45 days. After the 45 days, they concluded there was no proof i deposited money on that account so they took back {$1500.00}. I've called back numerous times about this claim and they seem to neglect my claim by directing me to different divisions. I don't feel like this company has the best interest for me and customers.

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 2022-05-12
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made an attempt to make a 2nd money transfer today, but the teller at Western Union told me that she could not allow me to send more money because on XX/XX/22 I made a wire transfer to my mother XXXX XXXX XXXX $ XXXX tracking # : XXXX. She told me that people don't usually have that kind of money to be sending over $ XXXX in such a short peiod of time. Who is she to question me if I work XXXX Who is she to ask me for proof of how I make money or my source of income when I felt discriminated because I do not speak english and I was dressed in my XXXX XXXX  clothes. I felt discriminated due to my race and/or nationality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Three accounts were opened at the Bank of America with my social security number, the names and the birthdays do not match mine, however, the Bank of America will not close these accounts, they will open a '' claim ticket '' to have the matter investigated within 90 days. I am a XXXX service member in my identity has been stolen and this answer is unacceptable. There are three open claims " XXXX '', " XXXX '', and " 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items : 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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$9900.00} ; 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 non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
hello my name is XXXX XXXX and my phone number is XXXX with address at XXXX XXXX XXXX XXXX XXXX in this XXXX XXXX XXXX  they are reporting to me that i owe them more than XXXX but it is not true that the loan was for a car that was defective and I return it. They have the car and they still want to charge me for something I don't have. I already talked to them and they wanted to charge me and they threatened that I would pay them they were going to report my credit and it would affect me and if they are doing it this service is affecting my credit and I need them to do it remove it and stop harassing me for charging something that I do not have. because the car was returned to them, therefore I do not owe them anything, thank you if you can help me with that please.

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