BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Using as reference the complaint XXXX supplied on XX/XX/XXXX where it was referred to the REGULATOR FTC, I wish to point out the following because I understand that there were a series of hidden events in this transaction between the XXXX, XXXX XXXX XXXX XXXX and possible employees who made this fraudulent request thinking that perhaps because I was a co-signer, they could offer or sell a vehicle to a person who was requesting it but needed a co-signer. 

I wish to point out that the letter received does not specify anywhere that this server has authorized to be a co-signer of any. It does not appear or calls made and I do not know the names of the people who are in this type of transaction because I consider it a fraud or theft-sign that they have made in an office that I do not know where it is. 

I am greatly concerned about this situation that has affected me even emotionally because I am a person who has been classified medically and with evidence that I suffer from major XXXX and emotional events beyond my control. I understand that I have not made any type of transaction requesting any vehicle in addiction I can not be a co-debtor and authorize them to investigate my credit because I am clear that I would not qualify, but the event only interested and I called different vehicle dealers but at no time and so on I specify it, they will use the Banco Popular de Puerto Rico for financing and it was mentioned to the person that in any case I would use a Cooperative if I so desired. But this never authorized it. The person did it by " motus proprio ''. 

I consider that this was an unfair practice to me and contributes to the mistrust of these financial entities. I hope that the FEDERAL TRADE COMMISSION takes action on the matter. 

I hope and point out the points that the FTC must evaluate in this situation. 


XXXX FTC 's XXXX of XXXX XXXX XXXX XXXX, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights ... 

XXXX. Established by the Federal Trade Commission XXXX XXXX XXXX XXXX, the Federal Trade Commission XXXX FTC XXXX regulates advertising, marketing, and consumer credit practices and also prevents antitrust agreements and other unfair practices. 
XXXX. Criminal prosecutions are typically limited to intentional and clear violations such as when competitors fix prices or rig bids. The XXXX XXXX imposes criminal penalties of up to {$100.00} XXXX for a corporation and {$1.00} XXXX for an individual, along with up to 10 years in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
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 Act XXXX XXXX XXXX Account # 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, 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 non-monetary relief
Consumer complaint received 2019-05-09
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: VA mortgage
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:
On XX/XX/XXXX due to reasons I could not control and for the first time in my life I was not going to be able to make a monthly mortgage payment. As soon as this happened I called Flagstar Bank my mortgage lender and started requesting information or options to avoid all possibilities of defaulting or getting behind on my mortgage. 
I was directed to Flagstars loss mitigation team in which I was told to fill out a seventeen-page Uniform Borrowers Assistance Form. I completed the form as quickly and accurately as I could. The two methods of sending the form in was by mail or fax. I thought the easiest and to save time I would fax it. This is where the worst experience of my life started with this company Flagstar. The first denied form was due to the fax could not be read on their fax machine, and I was asked to send it again. I completed these three more times all with the same result. I then decided I would mail the form. The first form got denied for missing information things in the wrong place. I submitted this package three more times by mail all with the same result denied for missing information or things in the wrong place. After the first denial and thru the next two attempts I must have called Flagstar Loss Mitigation Department hundreds of times where I was hung up on or told to resubmit the package and at no time would they help me thru the process. 
At the time my now ex-wife during this time left our marriage and wanted a separation and eventually a divorce. Our incomes were split, and our debts were different. I tried to explain this over numerous phone calls to the Loss Mitigation Department that I could not properly fill out the form the way the needed could someone help me, and I was told it had to be on that form. 
This constant delay and lack of costumer service from Flagstar. Flagstar filled for a foreclosure on me without contacted the Veterans Benefits Administration ( VA Loan ). Due to the very unprofessional staff of Flagstar and lack of assistance which they say they will always do everything they can to avoid foreclosure I a XXXX Veteran had to short sale the property and take a loss to my benefits. The short sale was closed on XX/XX/XXXX and my credit history and score are being incorrectly reported. I also received a 1099 with a forgiveness of debt that I filled with my XXXX federal taxes when no forgiveness of debt occurred, and Flagstar received the full amount owed.

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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX ; XXXX and Transunion are reporting incorrectly the XXXX   XXXX/XXXXMastercard partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX/XXXX  Mastercard onXX/XX/2019reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX  of  OHIO   dated XX/XX/2019XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit score.

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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a preapproved loan/letter from XXXX  XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX XXXX, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit 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 explanation
Consumer complaint received 2021-03-10
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I do not have an account or any debt from this company yet they refuse to remove 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 2023-06-13
Company: Experian Information Solutions 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 2023-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to clean my credit report and I am informing that the account XXXX in the amount of {$1600.00} and account XXXX in the amount of {$4800.00} are not my accounts. I have been a victim of identity theft and have no recollection of these accounts. Consumer Law SECTION 605 A 15 U.S. CODE 1681 C-1 states : The banking system is dependent upon fair and accurate credit reporting.

SECTION 605 B 15 U.S. CODE 1681 C-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate ; block of information reported as identity theft.

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 2021-03-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my mortgage lender XX/XX/21 requesting an updated payoff letter. Since then I have made over 20 calls and. Have yet to receive it. I have had to push my closing date back twice. I believe that the lender is intentionally withholding my payoff because I am refinancing and moving to another lender. This delay is costing me money as interest keeps accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original XXXX : 10 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 2023-06-28
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-03-10
Company: McCarthy, Burgess & Wolff, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX at XXXX McCarthy , Burgess and Wolfe representative XXXX XXXX emailed me demanding I remedy a past due balance to XXXX XXXX XXXX XXXX I responded 13 minutes later with " I didnt refuse anything, I requested the final bill. No one ever sent me it. I made a final payment, and turned in equipment. 

Then I get a call saying I owe more. You're the second " collections '' company to contact me about it. 

So do you have the final bill? '' They did not reply so on XX/XX/XXXX I forwarded them the same email and said " I sent this on XX/XX/XXXX. Have yet to hear from you. '' On XXXX they replied stating " We received your email regarding the XXXX XXXX We have requested the invoices. They will be emailed once they are received. '' I did not hear from them again until XXXX at XXXX where they sent me another demand and acted as if we had never spoken " Dear XXXX XXXX XXXX On XXXX, XXXX  formely known as XXXX XXXX XXXX requested we handle the above-captioned account. They specifically asked that we attempt to resolve this at a voluntary level rather than pursuing alternative remedies. I sent a letter to you making you aware of our clients claim. You failed to respond. 
Our client intends to receive the full amount of their claim. A brief review shows no reason why they should not be entitled to full recovery. I am desirous of resolving this in the easiest, non-confrontational manner possible however, I need your cooperation. 
Your failure to remit the full balance at this time will force me to assume you are unwilling to pay the balance. Should you choose to stop further action by this office, mail a check to The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX in the amount of {$140.00}. Make check payable to XXXX formely known as XXXX XXXX XXXX or pay online at XXXX. 
For your convenience, an automated attendant is available to process ACH/Check payments over the phone by dialing XXXX. Fees may apply. Action will be held until XX/XX/XXXX, pending receipt of your check. 
Thank you in advance for your anticipated cooperation. '' I showed them all this previous correspondence in reply.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Experian Information Solutions Inc.
State: HI
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:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. XXXX XXXX, XXXXT 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 2018-11-02
Company: AVANTE
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  is trying to collect debt that has already been paid. They are seeking {$220.00} from a South Carolina Emergency Room visit in XX/XX/XXXX. The debt was paid in full to XXXX XXXX XXXX XXXX via credit card on XX/XX/XXXX of which I have a credit card statement as proof. XXXX  XXXX reported this as NEW derogatory debt on XX/XX/XXXX and it is negatively effecting my otherwise stellar credit score via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Contacted MAS on XXXX to make a payment for XXXX. 

I was informed they dont accept XXXX  account although the representative informed me they do. In addition ; my last payment was made with a savings account. Ive had the loan going on XXXX years, encountered XXXX  both times Ive called to make electronic payments by phone. Their website also lists they accept electronic payments by phone. Previously my account was charged additional fees due to the company stating I had no insurance coverage although I did. They attached their insurance on my bill resulting in the monthly payment being extremely increased. The representatives are hard to deal with and Ive only had decent experiences with XXXX and XXXX. I havent received an account ledger for my balance as requested or any policy they dont accept XXXX. Again, the website shows they do. On XX/XX/XXXX. I found out today the reason I may have not got the ledger is because XXXX XXXX placed a cease and desist on my account. This was done without my knowledge or permission. This information wasnt relayed to me until speaking with XXXX on XX/XX/XXXX. Its also conflicting because XX/XX/XXXX XXXX I have an email from XXXX XXXX XX/XX/XXXX XXXX I also have a voicemail from XXXX. I have never spoken with anyone named XXXX before & this cease and desist had to be placed on my account by someone other than me back on XX/XX/XXXX. The company has now informed me they can not send me proof they dont accept XXXX payments as well as my general ledger. I am 30 % paid off on the loan & this situation is pushing me beyond my XXXX day period to make a payment by XX/XX/XXXX. XXXX informed me I would need to wait on XXXX to return to the office on XX/XX/XXXX ( which puts me behind on my loan for the first time, besides when they company over charged my account for additional insurance & had to readjust it ). Again, XXXX has always been helpful, but this is a family business and a lot of bias things going on.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts 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 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 These have violated my rights. 

15 U.S.C. 1681 section 602 A States that I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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 non-monetary relief