BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TN
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 act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act 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 also states a consumer reporting agency can not furnish a 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 purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After the forbearance Mr.Cooper worked with me and started a loan modification. All the papers were signed and notarized. 3 weeks ago I was made aware that it was approved but I. Had to pay {$1300.00} for it to be approved which was never stated in the paperwork. Now I was told if I didnt pay the modification would be denied and as of today Im still paying the original amount and being charged late fees from the forbearance. They are harassing me and stated they will have to proceed with the foreclosure process. Forbearance ended on XX/XX/21. The bill I received was on XX/XX/21. I signed the loan modification a week before XXXX and they are telling me foreclosure is the only way to bring the loan current. I have the documents stating the loan mod was approved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
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: Personal information incorrect

Complaint:
Mailed Experian dispute 2 times to remove all obsolete out dated personal information on XX/XX/XXXX was the last time I mail it again it is still on my report and they have updated after i requested this. there are 11 old addresss to be removed6 names to be removed,2 phone numbers, spouse remove.empolyers 2 remove. please remove this items on the list I sent you twice it is inaccurate reporting on my credit report XXXX XXXX XXXX remove it its not my account letter enclosed stating this. you Experian I tried calling put you do not take calls so this is my only course of action letters don't seem to work

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 2023-08-05
Company: Spring Oaks Capital, LLC
State: NJ
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:
According to the Fair Credit Reporting Act 15 USC 1681 sec 602a says " There is a need to ensure consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I XXXX ; XXXX. I have a RIGHT to make sure my PRIVATE INFORMATION isn't shared which is evidenced at 15 USC 6801 that says " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the secuIrty and confidentiality of those customers ' non-public information. SPRING OAK CAPITAL LLC is a financial institution by definition under title 15 usc 1681 sec 604a ( 2 ) that says " In general Subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following conditions and no other : in accordance with the written instructions of the consumer to whom it relates. SPRING OAK CAPITAL LLC the financial institution and the consumer reporting agencies XXXX and XXXX DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. ANY CONSENT TO XXXX, XXXX, OR SPRING OAK CAPITAL LLC whether verbal, non-verbal, written, implied, or expressed IS REVOKED, RESCINDED, AND TERMINATED!! 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic information to a nonaffiliate third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' SPRING OAK CAPITAL LLC never informed me of my RIGHT to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Expect as authorized under subsection ( b ), no consumer reporting agency make any consumer report contain ANY of the following items of information ANY other ADVERSE items of information, other than records of convictions. ADVERSE means to prevent success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was sent a Brinks prepaid Mastercard from Netspend today ( XX/XX/19 ). I did not apply for this product nor did I authorize any issuing of this card. The card was unexpected and was ready to activate. I contacted the provided numbers on the activation sticker and the mailed information. I was not able to speak to anyone. I was just funneled back to the activation hotline. 

When I contacted Netspend I had the same issue. I was sent back to the activation hotline. If this product had fallen into the wrong hands this would have been a disaster. 

I did not activate the card due to the fact that I did not agree or request it to be mailed ot me. I also didn't think I should agree to terms of service once again because I did not request the card in the first place.

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 2023-08-23
Company: Mercedes Benz Financial Services
State: NJ
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: Problem with personal statement of dispute

Complaint:
Starting on date XX/XX/2023 I started a dispute with this company by mail, another one on XX/XX/2023 by certified mail to get a closed account of a car lease deleted off of my credit report that was paid off and closed! This account has since been reporting negative and delinquent information to my credit report and hindering my chances of being approved for anything. Since this account is closed and outdated while also being no longer collectible it should be deemed as not mines and removed immediately. I have already sent out a 3rd dispute on XX/XX/2023 by certified mail. All responses have been non compliant, I demand the deletion of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, I was granted a home loan modification. At the time I had a first and second mortgage. When the modification was completed, the underwriter informed me that my second mortgage of {$140.00}, XXXX was written off. Therefore, it reduced my monthly note. In XXXX of XXXX, I received a 1099-C from Wells Fargo Bank stating Cancellation of Debt. XX/XX/XXXX, I received a letter from XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX. stating that they represented XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and that they were going to foreclose on my home. To my understanding, the letter referred to my second mortgage. My home was under foreclosure because the lien was not removed from the mortgage debt that you wrote off in XXXX. I have been back an forth in bankruptcy to save my home. Now, my spouse and I have damaged credit. 

My purpose in writing you is to find out why my lien was not stripped and why I was not informed of the repercussions of the write-off. The actions of Wells Fargo Home Mortgage have continuously caused me to be distressed. Currently, my home is still in an active Chapter 13 Bankruptcy to pay off the 2nd mortgage that you wrote- off. I am requesting a full explanation of the actions of Wells Fargo Home Mortgage and a remedy from Wells Fargo.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: VA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-02
Company: RoundPoint Mortgage Servicing LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage won't remove my PMI. 
I bought my house in XXXX XXXX and the loan amount was for {$380000.00}. I made a lump sum payment of {$310000.00} in XX/XX/XXXX. 
I've paid my mortgage down 85 % to a balance of {$42000.00} and Roundpoint Mortgage is still charging me a monthly PMI of {$120.00}. 

I tried getting them to stop taking PMI but they denied my request... I've never missed a payment and I have over XXXX credit. 

Please help, 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 2023-05-23
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion is reporting incorrect payment history for my XXXX  account Account # XXXX. They are reporting late payments, they must be corrected to reflect a 100 % on time payment. I have attached documentation of how it is actually reporting to other bureaus. With perfect payment history. Transunion must correct the incorrect payment history because I have provided proof that the history of payment on the account is perfect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act 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 : 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 2023-08-28
Company: SYNCHRONY FINANCIAL
State: KS
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: Problem with personal statement of dispute

Complaint:
Synchrony Bank made no attempts to resolve issue with the original complaint and dispite multiple attempts to correct the facts that they fabricated, ( I never cancelled my autopay as I depend on automation to manage my finances ). They tried calling me and I attempted to return the call multiple times without sucess. 

The fact remains that their autopay failed and they falsely stated that I caused the issue.

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 2023-01-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had a safety deposit box with Chase bank located on XXXX XXXX XXXX XXXX, XXXXXXXX XXXX since XXXX of XXXX. I went to this branch on XX/XX/XXXX at noon time to access my safety deposit box. After the bank representative verified my identity, we went into the vault, using the branch key and my key together to unlock the door only to find that the entire metal box inside is missing. Im not referring to just the content of the box, the whole box is gone and its just an empty space behind the locks. 

The representative immediately escalated this situation to her supervisor, and the supervisor took us back into the vault and repeated the same steps to confirm. She also confirmed that the entirety of my deposit box is missing. 

The bank quickly verified that the last time I had accessed my safety deposit box was back in XXXX of XXXX, which matched their records. Their record also showed that no one else had accessed the box, and the only other notes were for routine maintenance or audits. I am absolutely certain that my box along with all of its content were securely locked away during my last visit. Also, I have never lost my keys. 

The bank had asked for an itemized list of what was stored in my safety box on XX/XX/XXXX, and I have provided the list to the bank on XX/XX/XXXX via email. No further updates from the bank. A police report has been filed with the XXXX Police Department. 

This level of negligence in the situation is unheard of. How many other boxes are missing? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
: EXPLANATION : I've Had this fraudulent account added on my credit report on XX/XX/XXXX without my consent. I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX  and was denied since my phone was still locked. The XXXX Employee asked me to write down my personal information ( Name, SSN, Email ), so when i get this problem fixed with XXXXXXXX  I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. So they told me to pay the balance because it mustve been a misunderstanding, so me being naive thats what I did. 2 years later now in XXXX I ended up filing a police report because I still believed the XXXX employee used my information to open an account and I ended up being correct. Ive contacted XXXX Fraud Protection team and they ended up finding the employee and gave me the employee name who fraudulently opened the account, they then closed his account he opened with my all my information. XX/XX/XXXX XXXX issued letters to ALL credit bureaus saying I have no dealing with this account and to remove it from my credit report. TRANSUNION still have refused 2 months later XX/XX/XXXX to remove this account. So here I am writing to the XXXX  & CFPB to get this REMOVED from my credit report. I believe it is very insensitive to be a victim of identity theft and TRANSUNION will not work with me to get it removed. XXXX XXXX XXXX already removed this MONTHS AGO. TransUnion is the only one who still on the account on my file! I have sent them my police reports documents & they still discredit me. I have filed an complaint with the identity theft.gov all my information is credited.

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 2023-09-06
Company: The Law Firm of Krisor & Associates
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023 I received notice that a local attorney, Krisor & Associates sent my employer a notice that they attend to garnish my wages for a credit card. They state they have filed a judgment against me for the amount of {$5100.00} on behalf of a creditor I never even heard of named XXXXXXXX XXXX XXXX. When I contacted the attorney 's office they refused to give me the credit information. I was never notified of any court proceedings and the law office used the court to enter an illegal judgment against me for this outrageous sum. 

I have never had a credit card with a credit limit of more than {$600.00}. Even with interest and attorney fees it never should total this amount. XXXXXXXX XXXX XXXXXXXX or the attorneys at Krisor Associate are using the courts to saddle consumers with usery and inflated totals to saddle consumers with debt that is XXXX the original balance. This illegal and unethical debt collection practice is flagrant and illegal.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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