BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  CARD XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX AUTO FIN XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: Cstone Mortgage Inc
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got a call from XXXX XXXX at cornerstone mortgage who say we can refinance your loan she help me originally loan I have now from purchasing in nevada retire home move from California sold house there. The refinances loan started last year in XX/XX/XXXX. I send all information that the underwriter needs approved me 5 times the out the XXXX then a few approved of conditioning loan approvals then XX/XX/XXXX loan should have closed. So the underwriter decided not to close loan on retire booklets bottoms page were I highlighted out my CSA number retire booklets on page were the underwriter approved 5 to 6 times with the same info in pages the. Decided not to approve on XX/XX/XXXX and still waiting on closing just fax income proof letter from ssa that i will be getting in next year still have not heard anything from this company I like just paid off my debts with another co but I think they may charge me a fee can someone help please need help my number XXXX and now few more month it a year no one should wait this long for refinance loan I work XXXX at XXXX XXXX XXXX XXXX XXXX helping vets I hope this will never happen to anyone thanks XXXX XXXX this complaints of processing loan only and waiting to long as almost a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: GA
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 Fair Credit Report Act, XXXX XXXX account # XXXX and acct # XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments.

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Torriere Holdings INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive received calls from a company called XXXX. I asked for the name of the company and was told that XXXX is the companies registered name. After calling he number back several times to acquire information about the company ( actual name, address and or website ) everyone denied giving me any information. I was finally told by a XXXX that the name of the company is Spire Recovery Services, but he would not give me the address or website of the company. I never gave this company consent to contact me, I have no contractual obligation to this company. This company has no permissible purpose to contact me through any means. If any information from this company is published on my consumer report I will seek damages for defamation and identity theft. This company is willingly and knowingly participating in fraud and violating my rights. They stated that they sent me emails and letters in XXXX, but I have not received anything from this company except for harassment. The would not verify who they were, but wanted me to give them my personal information. I think the company if it is really are participating in scamming consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning, I had a loan modification done back in XXXX. I had lost my business after the XXXX crash and asked fore help. After several months, I was given a loan a loan modification. IT was going quite well since I had a lower interest rate and was able to start paying back my principal. However, I had recently come in to some difficulties this past year and lost my job. I have been struggling to pay but managed some how. Since I have been struggling to find a decent paying job I called my back and asked about help and possible seeing if they would consider another loan modification. When I did this I also asked what my current total payout for my mortgage was at his time. That's when I found out heart breaking information. They said not only do I owe the mortgage that I see on my statement every month but there is also a hefty balloon payment at the end of my term or if I decide to sell my how to get out of my troubles. I couldn't believe it because I was never informed verbally that I would have this balloon payment. The worse part about is that I owe more now than when I first applied for the modification. Its at least {$200000.00} more than what I originally owed. I am very upset and asking how is this suppose to help me when I now owe more than what my original loan was for back in XXXX. It doesn't seem fair when I was looking for help back then to make it worse now. If I want to sell my house to help me with getting rid of the debt and buy something smaller I can't no money in it for me to start over. I am stuck. Please help?? 

Frustrated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been using Binance US to trade cryptocurrencies without any problem for the last 4 montths. However, I just deposited XXXX XXXX USD into my Binance US account to trade cryptocurrency a few days agoo. When I tried to trade in the spot market 2 days ago, it says " order failed : trading disabled. '' I tried at least 10 more times in the next 24 hours, it says exactly the same thing. I tried to withdraw my crypto from the Binance US account and it says withdrawal suspended due to risk management. I was never notified in any way that my Binance US account has any problem. I was never notified by any Binance US personnel that my account trading and withdrawal would be suspended. I have searched on XXXX and found that others have been having the same problems and could not resolve the problem for 3 months. I reached out to Binance US via support email 2 days ago without any replies. Subsequently, I have sent 4 more emails without any replies. I have a total of more than XXXX XXXX USD in the Binance US account and I can not do anything with it. The market has been moving significantly and I can not trade or withdraw. With a lot of assets stuck in a frozen account and market moving significantly, with no one to help. It is extremely frustrating!!! I need someone to tell me at least what is happening to my account and if there was a mistake in disabling my trading with withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My concern is that as a Federally Protected consumer under title 15 Chapter 41 I am being violated. Pursuant to 15 USC 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

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 2023-05-03
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date opened XXXX XXXX XXXX Collection account amount {$1600.00} I filled a dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nationstar Mortgage LLC did not receive the promissory note from a party who was legally in possession or who had the legal capacity to transfer the note. Nationstar Mortgage, LLC has never been the owner of the note. Nationstar Mortgage LLC did not pay value for the note. Nationstar Mortgage LLC claims XXXX  was on the original mortgage and that the homeowners agreed to designate XXXX  as a nominee. XXXX  IS NOT on the mortgage anywhere and the homeowners DID NOT agree to designate XXXX  as a nominee. WHO TRANSFERRED the promissory note to Nationstar Mortgage LLC. Who was the custodian of the collateral file? How did Nationstar Mortgage LLC obtain possession of the promissory note? 

What does " new loan '', " no cash '' mean? 

Aurora Loan Services , Inc went out of business and did not have the authority to service transfer anything to Nationstar Mortgage LLC. Aurora Loan Services , inc had a cease and desist order against the company. A service transfer allows a servicer to collect payments for the LENDER. WHO IS THE LENDER? Who was Nationstar Mortgage collecting payments for? These are valid questions, as only the TRUE CREDITOR and legal owner of the debt should have received payments. A loan servicer is not the owner of the debt or the creditor. A loan servicer does not have the authority to bring a foreclosure action in its own name without the true creditor and owner of the note joining or ratifying the action. 

The balance showing due on the mortgage payments is incorrect. Our mortgage was paid off and Nationstar Mortgage LLC was collecting payments on a loan that had been paid in full. Your business records are incomplete and you are not capable of showing the amount owed or not owed because you can not trace the loan history back to the original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 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 non-monetary relief
Consumer complaint received 2023-01-17
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a XXXX  account in XX/XX/XXXX over the phone and they pulled my credit report. On XX/XX/XXXX, I used the only email sent to me by Discover to start loading documents but it only allowed me to enter the same personal info that I shared over the phone in XXXX Once complete, I hit submit and Discover then pulled another hard credit bureau while I already had an open application with them. The email they sent should have informed me that I already have an application but it did not and it pulled a 2nd credit inquiry when it was not necessary. I called Discover and they cancelled the 2nd application but this seems to be a harmful practice for consumers. I find myself to be a savvy consumer and this deceptive practice has probably impacted many other consumers as they are pulling a new credit inquiry when the consumer doesnt understand or want that 2nd pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: TX
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:
My concern is that as a Federally Protected consumer under title 15 Chapter 41 I am being violated. Pursuant to 15 USC 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included in disputes letters attached below :

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to lodge a complaint against my student loan servicer, XXXX, as well as the three major credit bureaus : XXXX, Transunion, and XXXX. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

Sincerely,

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 2022-03-08
Company: EQUIFAX, INC.
State: MD
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:
1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports. 
2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed. 
3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web. 
4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XXXX XXXX XXXX XXXX, XXXX, XXXX, CA XXXX ( XX/XX/XXXX ) XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX, CA XXXX ( XX/XX/XXXX ) Allowed credit report to be accessed while BLOCKED : XXXX, XXXX - XXXX XXXX XXXX ( I DO NOT AND HAVE NEVER HAD AN ACCOUNT WITH THIS ORGANIZATION ) ( XX/XX/XXXX ). This company was allowed to ILLEGALLY access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Experian Information Solutions 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:
I have no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've sent dispute letters for reinvestigation with cra. They sent back reinvestigation showing inaccurate accounts as verified. I've tried to fix this matter with cra. I ask if they contacted furnisher and ask for names and address to whom provided the information, and they had no answer. Cra or furnisher either both has violated the FCRA LAWS. I have proof of violations. Here are the laws that cra didn't obey. Thank you. 

1.15 U.S.C. 1681e SECTION 607 ( B ) 2.15 U.S.C. 1681i SECTION 611B ( iii ) 3. 15 U.S.C. 1681 SECTION 602 A.

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