BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX questions : It's a shame that within XXXX month after opening account I have to write to you via CFPB. 

After opening the account, the same day I called the bank and the operator said after 2-3 days when my account gets fully verified I would be able to make transfers. Few days later I was able to make transfers. I made my first transfer, a very small amount of XXXX dollars. 

Approx a week or so later I received a letter that stated until the bank could fully verify my account I won't be permitted to acquire any securities and or make any withdrawal or transfers. 

XXXX ) Then why did the bank permitted me to make the first transfer without fully verifying my account? 

On XXXX XX/XX/2021, I was provided with misleading information over the phone regarding my account verification activity. This information came from an operator and her manager from your verification team. The manager said my account was only fully verified on XXXX XX/XX/2021. The manager said the bank allowed me to make the previous transfer without fully verifying my identity just so I can acquire securities. But the letter clearly stated I can't acquire any securities until I have my account veritified. 

XXXX ) So, ( based on what the manager told me on the phone ) is it a common practice for your bank to allow customers to trade securities without verifying an account completely? 

As a result, I am finding it unsafe to transfer in any money further in to the schwab account. As a result, I have transfered out the XXXX dollars from my schwab account. 

Let me know your answer to the above XXXX questions. If your answer would be reasonable and justified, I would continue with my XXXX accounts or else not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received an email from this company, claiming to collect a debt for a payday loan. Not knowing what this was about I called them. Right, away, they said they were going to send the police and have me severed and possible jail time if I didnt take care of the debt. I am being scared and not knowing what to do, gave the person my contact, mailing, and email information. Just my own no one elses. 

The person ( XXXX XXXX ) told me that he was going to send me an email that same day right after we got off the phone and a letter to my home address. A few days go by and I did receive the email. I called the number on the letterhead and it was to a construction company, I then tried to locate the company online and contacted the BBB and no one has ever heard of this company. 

I called again but at a different time then the first time calling, and XXXX XXXX answered. I told him I didnt receive the email or the paperwork. He did finally send the email. In giving him my contact information, I had given him my debit card information after looking on the FTC websites and reading about scams I canceled and not knowing this company and not finding out any information about it. I thought it was best to do so. 

I called the original place I got the loan from and they told me that they have never heard of this company and told me they sold it to another company for which they gave me the information too. 

This was not the company ( on letterhead ) that was stated to me. In the interim of canceling the debit card, they had started calling my parents they did not get their phone number from myself. Telling my parents that the police are going to come and arrest me and arrest both of them too. I called them and told them not to call my parents. Both my parents are very ill, my mother is recovering from a double XXXX transplant and my father had a small XXXX XXXX in early XX/XX/2019. 

I told XXXX XXXX again when I called that I still have not received the paperwork that was supposed have been mailed to me. 

I called today XX/XX/2019 and again asked him why do they keep calling my parents and Ive asked you not to that you have my contact information and again that my parents are very ill, those calls are upsetting to both of them. 

I also ask for proof that the company was real because I have no way of knowing this and he got very upset with me in my asking. I don't know who this company is and they are not professional at all. But, most importantly I don't want them to call my parents anymore I'm so afraid that something will happen to them because of their harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
I sent a letter to the 3 Credit Bureaus XX/XX/2022 to repair these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-28
Company: Credible Labs Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I went to credible to only look at rates for an unsecured loan, after looking at rates I was done with the site and deleted my account. A month later I received an email from XXXX stating that they couldn't offer the full amount and that I was presented with a counter offer. I looked at the document and it was an adverse action notice for a loan that I never applied for ( was only looking at rates ), nor did I give any permission to the credible website to apply for a loan in my behalf. I wasn't looking for a loan at this time only rates.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX XXXX sent notification that the mortgage home loan servicer would be changing to XXXX XXXX XXXX  and would take effect on XX/XX/XXXX. Nationstar confirmed the transfer and sent out a welcome correspondence on XX/XX/XXXX. Both taxes and insurance are escrowed in the mortgage payment. Both XXXX  and Nationstar assured that the payments would remain the same and that the terms of the loan would remain unaffected.On XX/XX/XXXX XXXX  (the provider of homeowners insurance to the property) sent XXXX a request for payment. The policy was set for renewal by XX/XX/XXXX. XXXX transferred the mortgage to Nationstar on XX/XX/XXXX without payment being made to XXXX. XXXX  request for payment was sent only to the mortgagee and not the mortgagor as the account had been noted since the XX/XX/XXXX's. On XX/XX/XXXXthe  XXXX insurance policy was terminated for nonpayment.Surprisingly, when the XXXX insurance policy canceled, XXXX was still listed as the Mortgagee. Nationstar  not only failed to change the mortgage clause during the transfer, but they were also unaware that the insurance policy had canceled, still currently show XXXX as the insurance provider, and continue to escrow based on the previous policy premium.Moreover during the lapse of coverage, a claim for substantial water damage on the property needed to be filed. Nationstar has force placed insurance that will not adequately cover the damage and repair to the structure of the property. There is also no coverage granted for any personal property loss. The XXXX policy would have more than easily covered our losses had Nationstar not been negligent to pay the renewal of the policy as required in maintaining terms of the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2023-08-20
Company: EQUIFAX, INC.
State: NV
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:
o/a XX/XX/ my XXXX XXXX  bankruptcy was discharged and in about 3 weeks all 3 credit bureaus ' had started reporting creditors that were discharged in my bankruptcy correctly ; 'closed account ' 'discharged in XXXX XXXX bankruptcy '. 

o/a mid XX/XX/ Equifax allowed XXXXXXXX XXXX XXXX XXXX XXXX to file erroneous information on one of the accounts that was discharged in the bankruptcy as 'charged off ' showing the amount. 

o/a XXXX XX/XX/ this agency has allowed XXXX XXXX XXXX XXXX to do the same thing, change the status from 'closed account ' ' included in discharge of XXXX XXXX  bankruptcy ' to 'charged off account '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This was a car loan that I made, however, when I was unable to pay for the car loan they reposes the car. the total amount for the original loan was {$17000.00} upon selling the car for {$8000.00} I should have a less amount reported on my credit report which it should be {$9100.00}. But XXXX XXXX XXXX continues to report {$17000.00} instead of the {$9100.00} I have made several attempts to get this fix but so far they have not done so.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 Account # XXXX, and Account # XXXX have 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 non-monetary relief
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These credit reporting companies are reporting information to the public without my permission causing significant dignitary harm as they have not verified anything they report. When I create disputes and request validation of the debts they are reporting, they do not have valid evidence or proof that any debt belongs to me, was created by me, billable to me, correctly billed, or authorized by me in any manner. 

They are uninterested and unauthorized third parties presenting themselves to be a secure system of empirical data reporting when there is no way for them to provide substantial proof that they are reporting accurate information with permission from all parties involved. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy. Under 15 USC 1681 Section 604 ( a ) ( 2 ), no consumer reporting agency can furnish any report for any account without my written instructions. 15 USC1666b also states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have not provided any written instructions for any consumer reporting agency to provide my private data to anyone. My credit worthiness and ability to pay is not limited to scores by any private reporting agency as I have equitable interest in my security agreements/instruments, ( notes, coupons, and guarantees ) having nothing to do with these reports. 

Any delinquent account is to be construed as a billing error resulting from an inability to endorse these instruments for credit to be properly applied to my accounts. There is no benefit to me for any Consumer reporting agency to give negative information to creditors when my applications are requesting credit as an endorser. The credit score has absolutely nothing to do with that. All of these denials are substantial evidence of me being restrained from trade, deprived of my rights, and discrimination against me for being scored low when I have a right to endorse for payment using income from equitable interest in secured investment property and not limited to compensation from labor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TN
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 to the fair credit repair act ( Congress put into place ) 1 ) XXXX XXXX, 2 ) XXXX  Account number XXXX and 3 XXXX XXXX XXXX XXXX 15USC 1681 Section 602a I have the RIGHTS to PRIVACY. Congress put this law into effect however credit agency do not adhere to it. THis is a Law and it need to be enforced laws are for structure.

Secondly 15USC Section 604 a Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given these companies to any written instruction nor have I sign documents allowing them to report to report. Congress has given me the power to say NO and the option to allow by writtten signature I have not sign anything Please show me where XXXXi agreed to this. THIS IS GROSS NEGELIENCE AGAINST ME and no one is obeying the law.

These collection are costing me higher APR rates and higher interest on my credit card. XXXX XXXX does not have enough proof that debt belong to me can I see a sign contract and not a statement that I never stayed at before I never stayed at XXXX XXXX XXXX, XXXXTN XXXX or XXXX XXXX XXXX XXXX these address are fraudulent. I am reporting this to Identitity THeft.gov 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

on MY REPORT IT SAY I OWE XXXX XXXX HAS I OWE {$690.00} WHICH ONE DO I OWE BECAUSE CONGRESS REQUEST FOR ACCURACY OF EACH CONSUMER REPORT. INADDITION YOU ARE REPORTING XX/XX/18 ON XXXX, EXPERIAN YOU REPORTING OPENING DATE XX/XX/2018. THE DOCUMENT YOU SUBMITTED TO CFPB YOU SAIED XX/XX/XXXX WHAT DATE IS IT. VIOLATION DELETE THIS OFF MY REPORT DELETE THIS OFF MY CONSUMER REPORT. THIS HAS CAUSE SO MUCH DAMANGE. IN ADDITION IF ITS CHARGE OFF A BALANCE SHOULD NOT BE REPORTING BUT THERE IS .....

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 2017-10-03
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we were advised our Reverse Mortgage was sold to Champion Mortgage of XXXX, TX. We were advised monthly statements would be supplied by Champion Mortgage. On XX/XX/XXXX we sent a letter to Champion Mortgage requesting information on how to make re-payments to Champion Mortgage. As of XX/XX/XXXX we have NOT received any monthly statements nor any instructions as to how to make re-payments. Further we are advised Champion Mortgage is the subject of a class action lawsuit for increasing fees and charges on elderly reverse mortgage holders by ignoring their request and making unauthorized inspections without knowledge of the property owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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: Information belongs to someone else

Complaint:
This CFPB Complaint is being submitted to report that I have been a victim of identity theft. Upon researching how to remove the fraudulent accounts on my credit report, I discovered that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are obligated to remove any accounts and information listed on an ID Theft Report. After recently receiving a copy of my credit report, I was surprised to find several accounts that I did not open and have no knowledge of. Attached documents will assist in blocking the erroneous information from being posted on my report. The following items are in question : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX  XX/XX/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 XX/XX/XXXX. I can confirm that I did not open these accounts or give anyone permission to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report it to the authorities. FCRA Section 605B ( a ) requires Credit Reporting Agencies to block any information in a consumer 's file that the consumer identifies as information resulting from identity theft, no later than 4 business days after receipt.

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