BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: PA
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 submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Selene Finance claims I did not have insurance for my property located at XXXX XXXX XXXX XXXX, CA. 

House is covered with full lender requirements with no lapse of insurance at any point in time. 

proof of insurance was sent along with the declaration page to selene finance via their requested medium. I sent Selene my insurance agent 's phone number, and over the course of the next 4 months I have sent them this documentation at minimum 5 times via email and uploaded directly to the XXXX website. I Had my insurance agent reach out to them directly, and provided Selene Finance with insurance contact info. 

They have continued taking money from me for a forced placement policy in the amount of at least XXXX dollars over the next 4 months. They have refused to refund me despite no lapse in coverage or errors on my part. 

Selene was notified of the new policy right away. Selene was sent insurance agent 's number. Selene was emailed copies of the insurance info selene needed, and I personally called selene to let them know the day of the binding of the new policy.

Date of last contact with Selene XXXX XXXX XXXX  Communication means E-mail Phone ( multiple disconnects and refusal to to call me back ) Person communicated with : Unknown Agent of company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Information belongs to someone else

Complaint:
I am a victim of identity fraud from my sister XXXX XXXX. I have filed an FTC report and disputed these debts multiple times. Originally they will be deleted and then the company just adds them back even knowing they are fraudulent. Please help 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 explanation
Consumer complaint received 2022-05-04
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account 1933, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
As I was closing my accounts for the year, I discovered funds missing from my Bank of America EDD account due to unauthorized transactions and transfers, so I filed XXXX claims on XX/XX/XXXX totaling appx {$5000.00} which is a significant amount of money to lose especially given I'm about to have a baby. It is now XX/XX/XXXX and Bank of America EDD Prepaid cardholder department refuses to abide by their prepaid cardholder agreement. No funds have been restored to my account nor has there been a decision made on whether or not they are to do so. I'm beginning to consider this a discrimination suit.

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 2021-10-01
Company: Credit Control, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter today from Credit Control , LLC threatening me if I do not notify them in writing within 30 days to dispute this debit they will assume the debit is valid and they will proceed with a judgement against me and take legal action against me for the disputed amount owed. I do not recognize this debit or is Beyond the Statue of Limitations. I have sent them a formal letter of dispute & to cease all contact with me in regards too. This disputed debit does not appear on any of my credit reports as being in a collection status.

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 2019-03-21
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, I want to start by saying that I'm not those who complain, but DITECH has no respect for the consumer. When you call the XXXX you can easily be an hour waiting for someone to answer. I'm escalating this situation to you after unsuccessfully trying, for more than two months, to get an answer from this company. 

I received a letter from DITECH dated XX/XX/2018 informing that a new APR was calculated for my mortgage changing XX/XX/XXXX. Based on their explanation the new interest is the addition of the margin 2.2500 % and the LIBOR published that day at the XXXX. According to DITECH, the LIBOR XX/XX/18 was 3.10388 %. However, looking at the site it shows 2.18175 % for the day ( almost a point difference ), 2.36813 % for a week and 3.05275 % for 1 year. Not even close to the 3.10388 % they indicated. 
See the official LIBOR at XXXX XXXX XXXX link. 
XXXX XXXX XXXX XXXX As a result, the APR should NOT be 5.37500 % ( 2.22500+3.10388 and 0.125 rounded up ) as communicated. Instead, it should be 4.43175 % and 4.37500 % after rounded. It is a full point difference. 
For more than two months I have been battling with it. I have sent 5 emails, called more than 8 times ( waiting almost an hour every time I call ), but neither the customer service rep, not the supervisor provides a solution. They understand the Math after checking the XXXX site but the response has always been, " It is under review and someone will get back to you ''. 
I proposed to keep my previous payment until I get a final answer but the supervisor XXXX XXXX batch # XXXX, said the payment won't be accepted therefore my credit will be reported and damaged as a result. I didn't have any other option than paying the new APR. 
I honestly can not understand why DITECH is taking so long. Im also concerned about how a Financial institution can charge whatever they want without supervision and wondering how many others are in the same situation without even noticing. 

Your help is highly appreciated Thanks in advance XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back.

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 2023-09-21
Company: Unchained Capital, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I took out a cash loan fully backed by my Bitcoin holdings with Unchained Capital in 2021 when I was a Hawaiian resident, with the understanding that I would be eligible for a renewal loan at a later date. I was told by the company that they could open a bitcoin-backed cash loan for my company, but not as an individual. After the loan was open, the Bitcoin market experienced a significant drop, causing the value of my collateral to decrease temporarily. Despite the repeated assurance by phone and online messages of a renewal loan as an option right before the loan matured, Unchained Capital denied my renewal opportunity days before the maturity date by email, even though my loan was more than adequately collateralized, when the Bitcoin price was at its lowest point in recent history, leaving me in a precarious position. 

As a result of this denial, I was forced into liquidation, and I tragically lost half of my valuable Bitcoin holdings, even though I had enough bitcoin to back another loan of the same cash value. They used high pressure to force me to tell them to take immediate action because the loan was in delinquent on the day I normally made my monthly interest payment. Without confirming with me, they also sent a XXXX  demand letter to my previous address in Hawaii despite the fact that I was living in the state of Washington. My previous landlord got the letter and opened it and my former neighbors all learnt that I was a loan delinquent and they speculated that was probably the reason that I left Hawaii because I must have been broke. Indeed, the loss of a significant portion of my bitcoin holding has had a severe impact on my financial stability and long-term plans. I expected better treatment from a reputable company like Unchained Capital, especially considering our previous positive interactions. 

To make matters worse, I have recently received an offer from Unchained Capital for a similar loan again, now that the Bitcoin market is showing signs of improvement. This raises serious concerns about the ethical nature of the company 's predatory lending practices. It appears that Unchained Capital is capitalizing on fluctuations in the market to the detriment of its customers, myself included. 

I strongly believe that this lending practice is not only highly unethical but could potentially be in violation of relevant regulations and laws governing financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/22 I purchased a car from XXXX after 3 hours of driving the car the check the engine light came on so I contacted the dealership and was told that i purchased the car as is and would have to pay out of pocket to fix the car issue. I paid the dealership {$1000.00} to have the car fixed. The dealership then gave me the name of their mechanic XXXX XXXX. After leaving my car two days with the mechanic I was told my car has been fixed and to come pick it up. After two days of driving my car the check the engine light came back on. With several attempts to contact the dealership and mechanic I got the run around for an entire month with absolutely no help. So I had to take my car to XXXX to have the problem fixed which my bank can clearly see that transaction on my account. I contacted my bank XXXX XXXX to dispute the {$1000.00} I paid the dealership to have my car fixed I was told by XXXX XXXXl to submit my evidence and after review they would make a decision on refunding my {$1000.00}. So after review XXXX XXXX refunded the {$1000.00} to my account then a month later XXXXXXXX XXXX  took the {$1000.00} back and when I ask the reason why I was told they now want me to come up with even more evidence of what was already submitted to them which makes no sense they have more than enough evidence and the injustice of taking the {$1000.00} back a month later with no valid reason. 

Attachments below is evidence of ( 1 ) correspondence between me and the dealership and my ( 2 ) bank statement showing I had to go to XXXX to have the car issue fixed and pay out pocket again in almost the same amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and this is my second complaint against my loan servicer, Rushmore Loan Management. In the complaint I filed a few months ago, I described how Rushmore was violating my California Home Owner Bill of Rights, or HOBOR, and they still are. My rights have been violated in a number of ways, including Rushmore engaging in dual tracking while I attempt to have my loan modified, no communication with my single point of contact, XXXX XXXX, and a faulty and illegal loan modification appeal process that I am currently engaged in with Rushmore. Additionally, Rushmore managers have recently lied to me, telling me that a Rushmore manager by the name of " XXXX XXXX '' had spoken to me on XXXX, telling me that I had filed an " invalid '' appeal. I had no such contact with this person, this is a lie. Rushmore made this episode up to strengthen their attempt to sell my property on XXXX, even though by law, the sale date should have been automatically postponed due to the fact that I filed a valid appeal on XXXX, after my recent loan modification proposal was declined by Rushmore. I reached out to Rushmore the week of the XXXX in an attempt to speak to XXXX or another manager concerning my appeal and why the company was not postponing the scheduled XXXX sale. To date, there has been no communication with XXXX, the only other communication with management was with the manager who lied to me about XXXX speaking with me about the appeal filed. The only reason the property was not sold on XXXX, is because I reached out to Rushmore 's attorney XXXX XXXX , who interceded on my behalf and postponed the sale. And the fact that there is a new sale date of XXXX is illegal because I am supposedly in an appeal status with Rushmore and no new sale date should be set unless my appeal is turned down. Rushmore  setting a new sale date gives the appearance of management already having decided to decline my appeal, without fairly reviewing new facts that I have presented them with. What Rushmore is doing by setting the new date so soon is grossly unfair and illegal. As mentioned in my first complaint, I would greatly appreciate having the opportunity to speak with a CFPB investigator about this matter. Simply forwarding my complaint to Rushmore and allowing them to deny the facts that I have presented here is not good enough. This is an out of control company that has trampled upon the rights of countless homeowners across the country and it needs to be held accountable for its actions. Please, have an investigator reach out to me about this matter as soon possible. Thank you very much for your time and consideration in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, 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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
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: Account status incorrect

Complaint:
My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to XXXX XXXX and now XXXX. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from XXXX and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.

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 2021-10-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from multiple phone numbers and multiple people from different locations saying they are a debt collector from Wakefield and Associates. I have NO outstanding debts. I recently got my credit report and there is nothing negative on it either. My phone is set up to report potential spam, and each time they call it says Blocked - Potential Spam. I have listened to the messages to see who called then I block the number. I do not feel safe and its stressful. 
I believe it is a scam. 
XXXX XXXX are two of the numbers most recently

Company response to consumer: Closed with explanation