BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I expressed to you that I did not want to be contacted by you anymore. You have since called me twice and emailed me four times. According to, 15 U.S. Code 1692c - Communication in connection with debt collection, you are not authorized by law to continue any communication after I ask you to stop. you are not authorized to send any information to anyone about any transactions or experiences. Since, I see this in my consumer report from XXXX, XXXX, and XXXX, this is an error so would you be so kind to delete this account from my report. Also, under 15 U.S. Code 1692b - Acquisition of location information, when you called me a few days ago, your agent did not tell me who he was, he just repeating can I speak to XXXX XXXX. 
15 U.S. Code 1692d - Harassment or abuse, the agent called and after I said hello twice he hung up and called right back. He never once stated he was on a recorded line or state his name. He harassed me by repeating my name over and over and never saying his name or why he was calling. After being irritated with him during the time he called me during my sleep, he said his name is XXXX then he hung up on me because he didnt want to talk anymore. I called back and the next agent did tell me her name and that we were on a recorded line, I told her to take my number off the call list and stop contacting me because I only deal with people who are respectful and have common sense. 
15 U.S. Code 1691 - Scope of prohibition You can not charge me a high interest because of whats in my credit report. Also, you can not do it because of the color of my skin as this is discrimination. 
Please delete this account from my consumer report and clear the account from me owing anything else thanks! 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; You are reporting Transactions and Experiences and also, I did not give you permission to report this account on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage claims we owe 2 months payment. The problem is we have been in bankruptcy for the past 5 years. We were supposed to have been discharged in  XXXX . Then Nationstar comes back and says we owe 2 months and yet we have satisfied all payments to the trustee of Ch.  XXXX . I have continuously provided Nationstar with bank statements through my bankruptcy attorney and yet they do n't seem to find the payments. To begin with I have never missed a payment to  XXXX   XXXX   XXXX  who first held our mortgages, then now to Nationstar. The reason we got into bankruptcy because we fell behind in our mortgage payment. Now we have satisfied the requirements for discharge, then Nationstar comes along and says we owe two months of this year- XXXX  and  XXXX . I called them on    XXXX  -2017  and spoke to  XXXX , he told me I was up to date in my payments and he did n't know was going on, and he was going to submit an inquiry into the matter. He went on say that it would take a week, but we never heard from him or them again. Since then  XXXX   XXXX  from the bankruptcy attorney has been communicating with Nationstar attorney  XXXX   XXXX . Then on  XXXX  -2017,   XXXX  sends me text saying Nationstar received  XXXX  's payment and that they will apply it to  XXXX  's. I called on  XXXX  -2017 to    XXXX  and spoked to  XXXX  in the bankruptcy department, and claims that the default in payments goes back to when  XXXX   XXXX   XXXX  had the mortgage during the initial stages of our bankruptcy. That is not possible, as we had taken care of that problem about  2  to 3 years ago, and yet they are bringing up matters that have already been resolved. I am trying to get  discharged s o that I can refinance my home and get my title to my truck and move on with our lives, but that does n't seem to be the case with Nationstar. I have prove from Nationstar sent us a letter that  Pre-Petition Default P ayments have been paid in full to cure the default, contradicting  XXXX  's assertion that we still owe. Please help us with this dilemma, I will provide with whatever documentation is required and also they keep on raising my escrow payment and yet we never see a dime of any money that is left over from after them paying the taxes on our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To whom may concern The problem with transunion still Pre exists they didn't keep it word Closing the account they keep reporting like nothing ever happened. I oso noticed the payment history is wrong from XX/XX/XXXX to XX/XX/XXXX it didn't Go 30/60/90/120

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 2022-11-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I voluntarily allowed the XXXX  to be repossessed in XXXX of XXXX and even after several attempts to get them to change the status of my account, they refuse to do so. The continuously update my account to current, so that I remain 30-45 to 180 days late on my account, preventing me from making any strides on my credit at all. The status is listed as open, even though the vehicle was repossessed by them and probably sold again. I can not even get a va home loan until this is resolved. The company is also using a pseudo name for some reason. It's actually XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Selene Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sale date of home scheduled for XX/XX/2023. 
Home went into contract to purchaser on XX/XX/2023 Title company contacted lawyers office handling foreclosure who added " fee '' in excess of over {$60000.00} for " interest '' of various amounts for 5 years. 

Debt collection payoff document does not include principal balance, mortgage rate, daily interest, etc. 

Mortgage servicer, Selene Finance, never responded to request for payoff letter. 
Selene Finance is in multiple lawsuits currently with hundreds of people across the country for shady, misleading business practices; lost class action lawsuit several years ago for same reason. 

Debt collection 'lawyers ' office is being not only unethical but over charging fees in excess of what was submitted on foreclosure paperwork to the courts. 

I have never signed anything with Selene Finance, my mortgage was sold to them while under bankruptcy with terms ever sent to me. No communication for resolution of debt, advised unable to move with loss mitigation due to sale date pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I INHERITED THE PROPERTY. I WENT THROUGH THE PROBATE MATTER JUST AS SPS STATED I NEEDED TO DO. I ASKED FOR PAYOFFS AS THE PAYOFFS EXPIRE EVERY 10 DAYS. MY LOAN IS APPROVED AND WITH THE TITLE COMPANY FOR RECORDING WITH AN UPDATED PAYOFF DEMAND PENDING TO RELEASE THE LOAN TO RECORD. THIS MORNING I SPEAK WITH SPS FOLLOWING UP WITH THE PAYOFF DEMAND AS I WAS ASKED TO PROVIDE AUTHORIZATION AND TRUST DOCUMENTS, WHICH I DID, AND THEY TELL ME THEY SOLD MY HOME. THEY INFORM ME THEY SOLD MY HOME. I ASKED WHY? NO CALLS WERE MADE TELLING US OF THIS SALE DATE, NO NOTICES WERE PLACED ON MY HOME TELLING ME ABOUT A SALE DATE. I HAVE THE FUNDS TO PAY THE LOAN OFF I BEEN WAITING FOR THE UPDATED PAYOFF DEMAND. THE DEMAND I RECEIVED EXPIRED ON THE XXXX OF THIS MONTH AND THE TITLE RECEIVED MY LOAN FOR RECORDING ON THE XXXX OF THIS MONTHS. I HAVE BEEN ASKING FOR AN UPDATED PAYOFF DEMAND AS OF THE XXXX AND I UNDERSTAND IT TAKES TIME TO IMAGE AN AUTHORIZATION AND PROCESS A REQUEST BUT IF THERE WAS A SALE DATE ON THE PROPERTY I SHOULD HAVE BEEN NOTIFIED. SPECIALLY WHEN AN UPDATED PAYOFF DEMAND HAS BEEN REQUESTED. I SHOULD HAVE BEEN INFORMED THERE IS A SALE DATE I WOULD HAVE BOUGHT THE HOUSE AT THE ACTION. NOTHING WAS EVER SENT TO ME ABOUT A TRUSTEE SALE DATE. NOTHING WAS SAID TO ME ABOUT A TRUSTEE SALE DATE. INSTEAD, I WAS BEING ASKED TO SEND THE AUTHORIZATION AND MY TRUST DOCUMENTS OVER AND OVER AND OVER AND OVER. I ASSUME I AM NOW AUTHORIZED AND SO IS MY THIRD PARTY AS NOW THEY JUST INFORMED ME I NEED TO GO THROUGH THE XXXX XXXX DEPARTMENT WITHIN SPS TO OBTAIN THE UPDATED PAYOFF DEMAND AND DISPUTE THE TRUSTEE SALE OF MY FAMILY HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Letter sent to the lender : Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department of Financial Institutions and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX CC : Federal Trade Commission Better Business Bureau Florida State of Finance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
NOTICE : XXXX and DEPT OF EDXXXX have violated my privacy rights by reporting such accounts to my credit file. According to The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 both entities have violated my privacy rights. 

CITED LAWS : XXXX. The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 2. 15 USC 1681n : Civil liability for willful noncompliance. 

REPORTED EDUCATIONAL ACCOUNTS : XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$2900.00} XXXX ) XXXX - {$9200.00} XXXX ) XXXX - {$3000.00} XXXX ) XXXX - {$3500.00} XXXX ) XXXX - {$6000.00} XXXX ) XXXX - {$3300.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$4500.00} DAMAGES : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY 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 2022-11-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed due to fraudulent activities by Citi Bank. I was out of town and verified all activities but as soon as I deposited my check they closed my account and never sent me my remaining balance. And this has been going on since 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 2022-06-16
Company: Affirm Holdings, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
For a loan that originated on XX/XX/2020, Affirm did not provide any opportunity to select a payment date and, per their own internal policy, has no options to modify the payment plan dates. I reached out to Affirm immediately after the loan originated and received no response. I would learn later that my only opportunity to modify the agreement were in the first 120 days in the form of returning and requesting a refund for the associated purchase. I did not have an opportunity to seek a refund related to this issue, because I received no response. The reason, as communicated by Affirm representatives today, is simply because Affirm created their own policy forbidding it. 

The Affirm web portal is difficult to navigate and does not provide access to the completed loan agreement. In fact, I spoke to a representative today who said they would email it, because I have still not received it for the entire 2 year duration of this loan, advised they could only send it after the chat closed, then did not send it. 

The Affirm web space further has misleading information about options available to someone wishing to change their payment due date. Of note, one page states that they can not change the date, but we are not charged late fees and can pay later in the month. However, it does not state that such an " overdue '' status can negatively impact our credit report, which I was advised of by a representative today, when I asked directly about payment change options. 

Further, Affirm does not maintain a consumer accessible record of any of these interactions. My first email from Affirm did not come until a year into the loan. There is nowhere to see that I attempted to discuss this with a representative. The only record I have is a text file transcript of a chat with a support rep. The format makes it impossible to verify the authenticity, so effectively Affirm provides a transcript they can deny the validity of at will. I have, nevertheless, provided the text transcript as well as screenshots of the issues I identified in Affirm 's consumer facing documentation and the limited internal documents they make available ( a Terms of Service page with no history ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Accordance with the fair credit reporting act, the list of the account below has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681.

1-Account name XXXX XXXX Account number XXXX Charge off 2-Account name XXXX XXXX Account number XXXX XXXX off 3-Account name XXXX XXXX XXXXXXXX Account number XXXX Account XXXX Credit card Late payment 4-Account name XXXX XXXXXXXX  Account number XXXX Account type Credit card Deadcharge off 5-Account name XXXX XXXX XXXX Account number XXXX Account type Collection Has violated my right.

15 U.S.C 1681 section 602 A. states I have the right of my privacy.

15 U.S.C 1681 section604 A. It's also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer reporting containing any of the following items information any other adverse item of information, other than the record of conviction of crime which intent the report by more than seven years 68 awesome 15 U.S.C. 1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency 's if the person knows or has responsible 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 2023-01-09
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:
On XX/XX/2022, I sent XXXX, Equifax and XXXX a copy of my credit report that I obtained from them stating that they are reporting unaccurate information on my consumer report, however it keeps coming back VERIFIED, how is this possible when everyone is reporting this item completely different? FCRA states all items MUST be reported 100 % accurate. I provided evidential documents to show the inaccuracy of the account, however they still choose to ignor the documented FACTS that I received from them. XXXX, Equifax and XXXX need to be held accoutable for their NEGLIGENT FCRA REPORTING. Every date of last activity is reporting years apart, balance ECT...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: BARCLAYS BANK DELAWARE
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:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX and have provided the corroborating documentation from XXXX as evidence. 
I spoke with XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an XXXX  representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my XXXX credit report dated XXXX showing the date of first delinquency as XX/XX/XXXX and the 81-month payment history which shows XXXX of XXXX and XXXX of XXXX as 60 days late. 
I am also providing a copy of the letter from XXXX which states the month reported as delinquent as XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX. 
I believe that the computer program that XXXX utilizes is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over.

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