BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/21, I contacted Amerisave regarding getting a pre-approval letter for a home loan. I spoke with XXXX XXXX, a loan officer, who began to walk me through the online application. I remember signing some forms online ( which I couldn't tell you what they were ). Mr. XXXX talked about locking in a loan, although I didn't have a property picked out. Then came the {$500.00} application fee which I payed without really any thought, thinking this was the normal procedure, Later I learned this was not a best practice. Also, when Iasked Mr. XXXX about copies of those forms I signed, he said they were accessible on the website. I have not been able to locate them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
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:
Dispute Pentagon Fcu I didnt authorize that Dispute XXXX XXXX  I didnt authorized it

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 2023-05-24
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$370.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX, XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$250.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: FCI Lender Services Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is an account of events as far as I am aware of based on the documentation that I am sending you. 

A Mortgage for the property at as a first deed of trust in the amount of {$470000.00} the full amount of the sale price, at XXXX XXXX XXXX on XX/XX/XXXX. 

On that same day, XX/XX/XXXX, a Stand-alone Second mortgage was recorded for XXXX XXXX in the amount of {$95000.00}. I was not aware that there was a stand-alone second. 

In, XXXX we divorced and Mr. wanted the responsibility of the house, I agreed but added a clause in the divorce that required him to maintain insurance, pay taxes, and mortgage on time. In addition, I stipulated that he refinance to take my name off the loan within two years. After 3 years ( XXXX ) when he did not and was about to go into foreclosure, I sued him for possession, he was evicted and I moved into the house. Mr. had negotiated a loan modification in XX/XX/XXXX with XXXX without me knowing or being involved. 

When I moved back into the house I found a property profile that documents both the XX/XX/XXXX transactions as well as the Notice of Trustee Sale dated XX/XX/XXXX. 

Later when the enclosed piece of mail caught up with my move I received a Substitution of Trustee which indicates XXXX XXXX  XXXX assigned XXXX XXXX XXXX XXXX XXXX XXXX, whose address is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX CA, XXXX. I had no idea what that was! 


In XX/XX/XXXX I received a letter from FCI Lender Services explaining I owed {$97000.00} to their client XXXX XXXX XXXX who has authorized them ( FCI Lender Services ) to collect on their behalf. I was shocked and immediately called XXXX XXXX XXXX and asked if the was a problem and fully explained the notice/request for payment. The customer service rep explained that my loan transferred smoothly and completely from the previous mortgage services XXXX XXXX. I then called XXXX XXXX and explained the exact same concern, I got the same response there was no problem with the transfer and confirmed my loan details and amounts. 
Now I am getting notices that now say, Foreclosure Prevention Alternatives. 

I do hope you can explain to me how someone The Trustee can take out a stand-alone second in excess of what the house is worth. Wait seventeen years then try to collect from me when I did not take out the loan nor benefit from it?

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 2023-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Credit reporting 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 XXXX i had 3 hard inquires on my XXXX Credit Report. I have tried to contact all 3 companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Ba nk of America  refused to issue a fraud charge against  XXXX   XXXX   XXXX   XXXX , Massachusetts.   XXXX   performed unathorized and unnecessary services on my  XXXX   XXXX . In addition they damaged the rims to the extent they had to be replaced. The tires they applied where inferior and they were replaced with the proper ones.   I am demanding a credit to  XXXX  on Bank  of America  for {$1700.00}. and {$1400.00}. for the rims/tires that were replaced.   Bank o f America ke eps sending me copies from  XXXX   XXXX   XXXX   XXXX  that were doctored/forged. No originals were ever given to be.   I demand Bank  of America Regulatory Complaints cease harassin g 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX - XXXX XXXX Balance : {$910.00}, XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/2023 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 2023-10-12
Company: CBC Companies, Inc.
State: NY
Product: Credit reporting 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/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-10-17
Company: Experian Information Solutions 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I financed a vehicle through Ally Financial. The vehicle was totaled in XXXX. My insurance company contacted Ally, obtained the payoff amount and paid off the loan. Ally cashed the check on XX/XX/XXXX and released the lien on the title. My insurance company sent me a copy of the payoff check and a new, clear title issued in my insurance companys name by the state of Texas on XX/XX/XXXX. Three years later, Ally contacts me on XX/XX/XXXX claiming that I still owe one more payment. I thought it was a scam because the loan was paid off years ago. I got a call and a letter dated XX/XX/XXXX. They claimed that my insurance company never requested an official payoff, so the loan was not paid off. Instead, Ally deducted payments from the {$15000.00} check for three years and at the end, claimed I still owed one more payment. My insurance company tried to help me and made 3-way calls to Ally to try and get it resolved, but the insurance company eventually bowed out because Ally has done this before. My insurance company now has a policy requiring payoffs in writing because of this very problem with Ally. I spent 20+ hours trying to resolve the issue before finally paying the $ 400+ because collectors at Ally threatened my credit. They sent me another title in XXXX releasing the lien ( that was released years ago ). Lo and behold, I later discovered that Ally reported that I had 30 and 60 day late payments. When I contacted them, Ally claimed they could not resolve this with the credit bureau. I disputed these late payments with the credit bureau, and Ally still maintained that I was 30 days late. The credit bureau sent me to FTC.gov.

I do not believe I owed the debt, but I paid it anyway to save my credit from showing a collections while I got it resolved. I think Ally had a paperwork error in XXXX and is trying to make me responsible for their error. My insurance company ( XXXX ) handled the total loss transaction, so I do not have the records or memory to prove what happened in order to get the late payment removed from my credit. Regardless of whether the debt was owed, it was paid 3 weeks after they initially contacted me on XX/XX/XXXX, so it couldnt possibly be late. According to Ally, they were sending me electronic notices through an Ally online account that I never checked again after XX/XX/XXXX because I was told that the loan was paid in full. That is not sufficient notice to report late payments to the credit bureaus.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 6 . 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this 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 2023-10-15
Company: Experian Information Solutions 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:
as my lawful and rightful consumer declaration of recently and currently discovered items with probable fraud that are not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting status ' as reported when reported. 
Furthermore, this XXXX XXXX serves as my consumer 's rightful demand for a sufficient investigation/reinvestigation into every part of any delinquency and or disparaging data charged of me to ensure the sufficiency of lawful reporting!

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX 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 non-monetary relief