BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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, the list of account ( s ) below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX, XXXX, has violated my rights under 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 also states : A consumer reporting agency can not furnish an 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 ) states : 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 explanation
Consumer complaint received 2023-07-09
Company: Monarch Recovery Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NO PP/ NO PERSONAL GUARANTEE XXXX ACCOUNT FOR LLC BUSINESS XXXX  XXXX XXXX XXXX XXXX I HAVE NO SIGNED CONTRACT WITH XXXX, NOR THIRD PARTY DEBT COLLECTOR MONARCH RECOVERY MANAGEMENT, DEBT WAS PAID ALREADY SUBMITTED1099A & PAYMENT LETTER, DATED XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Misapplied payments, missing payments and a false repossession.

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 2021-07-11
Company: Paypal Holdings, Inc
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an XXXX  mastercard account issued by XXXX bank. It is linked to an old paypal account that is linked to an old address XXXX. I have been trying to get this linked to my new paypal account XXXX for the last year. Paypal tells me to contact XXXX and XXXX tells me to contact paypal. Today XX/XX/2021 I have spent over XXXX XXXX hours calling and messaging with both paypal and XXXX. XXXX has now indicated that there is no way to unlink them. Despite the fact that I no longer have the email address used for the paypal account. I have spoken with supervisors at both paypal and XXXX. I am now speaking with XXXX operator ID XXXX at Synchrony who has advised it can not be unlinked and that I can not close the paypal account and that there is no way to access the XXXX mastercard online but for an old paypal account. After XXXX minutes I was transfered to XXXX op id XXXX with XXXX XXXX  who advised that this was how it was set up by PayPal and that XXXX has no other way for me to access the card electronically. I have asked PayPal to change the email address on the old account to the new email to resolve the issue. I was told that I had to open a new PayPal account and cancel my XXXX credit card. This can not be the first time this issue has arisen and no one is willing to present a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have already filed a complaint with the CFPB against my mortgage loan servicer, Nationstar Mortgage, reference number : XXXX. However, my mortgage loan is actually owned by XXXX Bank, so I understand I must file this separate complaint against them. XXXX Bank had securitized my loan prior to and during the financial crisis. I have been attempting since XXXX to get a loan modification and principal reduction from XXXX Bank through my loan servicers, first XXXX XXXX XXXX, and now Nationstar, but XXXX Bank has always refused, stating that they do n't give loan modifications or principal reductions at all. Prior to Nationstar, my loan was serviced by XXXX XXXX XXXX, which churned my requests for loan modifications for a period of 3 years. When I brought in the California XXXX during the financial crisis to deal with XXXX, XXXX XXXX XXXX gave me a " loan modification '' that had much higher payments than my previous ones, and then promptly sold my mortgage to Nationstar within days, with an additional {$120000.00} in fees tacked onto my mortgage, making my mortgage greatly underwater and making it so I have struggled terribly financially since then to keep my home, having to work up to XXXX jobs at a time, file bankruptcy, and lose all my retirement. I continue to struggle greatly to keep my home that is still underwater because of this financial abuse by these mortgage bankers, in particular XXXX Bank, which has always refused to modify my heavily securitized mortgage. XXXX Bank just settled with the U.S. Department of Justice for their criminal mortgage practices XXXX XXXX and are supposed to provide relief to consumers in the form of loan modifications and principal reductions. My home is in the foreclosure process, due to be sold XXXX XXXX, XXXX, and I am filing for a loan modification this week, and I want to be certain that XXXX Bank is required under the new mortgage settlement to apply a loan modification and principal reduction to my mortgage as soon as possible to rectify their abuses against my mortgage loan and myself from their criminal mortgage practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for and were granted a loan modification because of financial hardship. We paid early and on time. Loan modification was denied before I could make last month 's payment. According to NationStar, we did not return signed documents. We never got the documents, and Nationstar has no proof that they either sent them or that we received them. They now say we owe them over {$3900.00} which we do not have. 
We did not receive any notification during any of this process that documents were missing. We also took part in XXXX program and NationStar was very hard to work with and said they had transmitted information to the program when they had not ; In addition, they transmitted the wrong payment amount. I have XXXX confidence that they do what they claim they have done. This appears to be some kind of scam in order to foreclose. We have been unable to get a decision making supervisor to contact us about this. We have been calling and emailing since XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.71XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

I have recently gotten into looking at my credit report for the first time in my life, over the last 6 months. Ive been in and out of the United States 3 times of the last 4 years, due to my deployments. I have recognized many fraudulent items opened in my name. The only XXXX XXXX account I had was my Auto Loan with them. 

The XXXX XXXX XXXX XXXX account ending in XXXX was opened by someone other than me. 

Additionally it has been a charge off, but Transunion has recently reported it as opened. It can not be a charge off and open account.

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 2018-09-05
Company: PENTAGON FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX i made a complaint with the consumer financial protection bureau about an unathorized inquiry made by XXXX XXXX. In response to that complaint they replied back to me stating i allowed the inquiry. XXXX XXXX XXXX, the Vice President wrote stating that one inquiry was for XX/XX/XXXX and he found no other instances in which they requested my credit report. Well Mr Vice President of PenFed explain to me what this is then in the attached files. To the CFPB stop closing the account just because the company responded. You are here for the consumers so please, do your job.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 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 XXXXXXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX Balance : {$9900.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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 wrote the bureaus, transunion being the worst, telling them the accounts showing were not mine, this started, in XXXX, 2021. So what transunion and XXXX did, they are now reporting, the same account that is not mine, TWICE, i am uploading documments. A year out of my life, time and energy, i '' ll never get back, and this items are still on my report, and ruining my good credit standard in this competitive world. I don't understand how a XXXX XXXX  '', corporation, can do things that hurt, harm, american citizens lives, i am a single MOM, struggling through life, and having to fight giant mutiibillion dollar, credit bureaus companies.

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 2023-07-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX Equifax updated a listing ( XXXX  XXXX XXXX : XXXX ) with new information. However, according to the documentation I have attached from the creditor, the payment history is incorrect. They are reporting 2 consecutive months of 180 days late ( XXXX XXXX ), when that isn't possible if 30 days passed after the initial 180 days late was recorded. There is also no record of payment history for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX as well. The amount of late payments are also wrong ; Equifax is reporting 7 late payments on this account to my credit report, but that does not align correctly with the reported payment history. 

Also, in accordance with FCRA Section 623 ( 5 ) ( A ), it is an illegal act to " re-age '' any debt, which happens to be the case for every month after XX/XX/XXXX to today 's date, where Equifax proceeded to update each month with a " charge-off '' status ; practices deemed illegal per the previously referenced law. 

It has now been another 30 days since they received my letter detailing this issue, and I haven't even gotten a notification that they processed my dispute. Due to the negligence, a response/resolution within 15 days is now required per the FCRA. This means they didn't contact the creditor, and violated my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO 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 2020-07-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Champion Mortgage Customer Support, This office represents XXXX XXXX XXXX, surviving spouse of XXXX XXXX. XXXX XXXX received the enclosed correspondence, implying that she is required to select an offered option in order to retain her home. 
This matter has already been litigated to a Final Judgment in her favor, enclosed. As such, correspondence such as this borders on harassment and unfair and deceptive trade practices. 
You are hereby ordered to cease such threatening contact immediately. If further intimidating correspondence, such as the enclosed options letter, is received by XXXX XXXX, she will proceed with filing a CFPB complaint and all other legal alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
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:
REMOVE ALL LATE PAYMENTS FROM XXXX XXXX XXXX XXXX CREDIT CARDS AND LOAN. 
1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX ( COVID19 ) pandemic during the covered period .In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 states a consumer reporting agency can furnish an account without my written instructions. 46.9K 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 purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: In progress
Consumer complaint received 2020-02-14
Company: WorldRemit Corp.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am writing this complaint to report an Internet fraud which has effected me morally, financially and mentally a lot. I had a friend in XXXX. My friend is working in XXXX, XXXX On XX/XX/2020. He contacts me and told that he needs some money as he just changed his house and got short of money. I said Ok I will transfer XXXX euro to his account. 

On XX/XX/2020. I transferred XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Yens which is almost equal to XXXX Euros using this online money transfer service worldremit.com. I used my Debit Card XXXX for making this payment. 
I got notified from World Remit that you need to upload your MY Number card for making this transfer on XX/XX/2020. On XX/XX/2020 I call the XXXX Office of World Remit. They sent me the link to upload my My Number Card, I uploaded My Number card on the Website and they said that in 3 days your amount will arrive at your friend 's account in XXXX. 
I said Ok and waited till XX/XX/2020. On contact with World Remit on XX/XX/2020, they said that our local agent is not responding your amount will be transferred to your friend 's account till Wednesday XX/XX/2020. I waited 2 more days and warn them that my friend is waiting helplessly for 8 days. 

Now, on XX/XX/2020. When I call them, they put my phone on hold or when I email them they dont just reply to my emails. I visited my nearest Police Station to report this issue, they listen to my talk briefly and told me that they can't do anything for me, I should visit my bank. I visited my XXXX XXXX on XX/XX/2020 and still, Bank person said that they can not do anything I should file a case against world remit. 

So, I started emailing and calling world remit several times and told them that I am very angry, I want my money back. But they keep on keeping my call on hold. 
On XX/XX/2020 they sent me an email that they are canceling my transfer and I can get my money back in 7 days if it's canceled and if it's not canceled then they will tell me next what to do. 

Meanwhile, I search on the Internet about this service XXXX XXXX XXXX I realized that this company is a complete scam and they steal people money. 

So, I realized that this 7 days new email is also another trap for me and I will never get my money back. So, I tried to contact some offices to report this issue. 

I have the proof receipt and emails. As I mentioned in the whole situation and would love to share with you on demand. I request you to take strict action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a bill in the mail stating I have an annual fee of {$170.00} due for a card Ive never applied for or even posses. I called the company, they told me to come here and make a report of it and fax them afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am very concerned because this company XXXX is sending me a bill that I do not recognize for the amount of {$500.00} with an account number # XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. Their telephone number is ( XXXX ) XXXX. I think someone stole my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation