BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 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 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 2022-01-21
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today XX/XX/2022 I received 25+ letters in my mailbox of the EXACT same attempt to collect a debt that I owe for a toll road, possibly causing some of my other mail to be returned because of the over flow of excessive mail from the same debt collector. I had already received twice daily letters from the original creditor and now this. I think its super excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX caused an unlawful eviction to be executed upon my home, when they do not have a valid court order or valid legal reason to sue me in court period. Enforcement officers insisted that we take up this matter in court. But this is wrong. The officers should have applied due process or the Law first. They have shifted the burden of going to court to aggrieved citizens. 735 ILCS XXXX plainly states that possession orders older than 120 days are invalid and unenforceable. 735 ILCS XXXX ( g ) also says that orders of possession can not be enforced against residents generically named. And yet this is what happened. The order that was wrongfully enforced was entered without jurisdiction ( in violation of the federal False Claims Act, state consumer protection law, and Fair Housing Law -- among others ) XX/XX/XXXX is roughly 3 years old. And it fails to name XXXX XXXX, one of the residents who was threatened with arrest for trespassing and forced to leave XX/XX/XXXX. On this same day, XXXX XXXX had the locks illegally changed. This man is a house thief and is seeking to sell my property with all of our belongings in it, " As-Is '', with no guarantees, asking for cash up front. I spotted such an ad on XXXX and XXXX. Neither XXXX XXXX or XXXX XXXX  XXXX XXXX were named as plaintiff parties to the unauthorized foreclosure-related eviction actions filed 3x under seal in the wrong municipal district of the XXXX XXXX Circuit Court . Yet they were on the scene when XXXX XXXX Sheriffs showed up. When I filed formal complaints with the CFPB respecting the illegal court actions filed by XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX parties denied any responsibility for the actions. XXXX shifted the blame to XXXX Mortgage XXXX XXXX. And in its response, it referenced the transfer of mortgage loans. So HSBCXXXX and in turn XXXX must have transferred a non-performing, securitized void mortgage created without the proper licensing to these real estate companies or professionals. Nobody in my household is indebted to any of these parties and my home-ownership can be corroborated by a title report and tax records. The parties ' claims spring from false and fictitious filings submitted to courts, land recording systems, and local governments. They need to be charged, because it is a crime to submit fabricated documents and evidence to peace officers or public officials ( See 720 ILCS XXXX and XXXX ). XXXX XXXX is currently trying to get us to abandon the property altogether by making arrangements to move our stuff, when he has no real rights in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
NOTICE OF LAW SUIT your company has been notified of unlawful credit reporting failure to remove all negative accounts will result in a {$100000.00} Law suit. 
LATE WARNING!!! 

Affidavit of immediate credit correction The following points of Reference and consideration Exclusively for all updated credit information Update all credit accounts according to 611 of the fair dept collection practice act The attached statement shows and concludes that all 3 credit bureau 's Are not accurately reporting information on the attached credit profile Update information accordingly to reflect Accurate information for all 3 credit companies inconjunction.

Point of action update credit report According to section 1681 of the fair declaration practice act permissible purpose law The attached credit profile and credit owner has notify all Noted creditors To cease reporting and has opted out of credit reporting For the attached mentioned accounts therefore all credit agencies must remove those accounts from reporting on the consumer credit report Failure to do so will lead to lawsuit and will be used as evidence in court. 
This is a official notice to ceased Credit reporting On the attached and mentioned accounts This is a official statement of reporting opt out according to permissible purpose law in the fair debt collection practice at. 

Point of reference Several credit accounts have been compromised due to fraud and unauthorized charges creditors and agencies have been notify to continue too report Fraudulent information is illegal and could also lead to a lawsuit see attached FTC Affidavit and Police report for more information. 
remove all late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Account name : XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX Account XXXX : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account name : XXXX 's XXXX # XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # 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.

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 explanation
Consumer complaint received 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and also the original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE SERVICES II LLC d/b/a Capital One. I was advised of this transgression of my consumer rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE SERVICES II LLC d/b/a Capital One via U.S. mail. The most recent response was received on XX/XX/2022, however, there were XXXX prior denials of my ability to access my open-end credit plan where they continued to violate my rights. 
In accordance to 15 USX 1502 definitions of the Truth in Lending Act. I as the natural person possessing an open-end credit plan was harmed by CAPITAL ONE SERVICES II LLC d/b/a Capital One advise action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) are up to {$5000.00}. CAPITAL ONE SERVICES II LLC d/b/a Capital One is liable to pay me for my damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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: Old information reappears or never goes away

Complaint:
XXXX reporting closed accounts exceeding 7 years. Per the Fair Credit Reporting Act accounts exceeding 7 years must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, 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:
Credit reporting agencies provided my information without my consent. 
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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section it states a consumer reporting agency can not furnish a account without my written direction or instruction.

15 U.S.C 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone fraudulently opened a Bank of America credit card in my name. It was sent to my home address and I also received a text message, which means they have my phone # too. I want the credit inquiries removed from my XXXX XXXX XXXX credit reports. I have called them already. Luckily the card got sent to me so I was able to call Bank of America and have it cancelled. But it's extremely concerning someone opened this card in my name and Bank of America obviously didn't ask for any ID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Due to this law the late payments on my account should be reversed title. 
( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX reporting closed accounts exceeding 7 years. Per the Fair Credit Reporting Act accounts exceeding 7 years must be deleted.

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 2023-02-04
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX, 2022, I received a call from the bank stating there were fraudulent charges on my account they sent me emails from the bank for verification. The bank said they fixed the account. The next day my account was on hold and my money was gone. {$1800.00}, was wired to someone in Florida. The bank to file a claim and contact fraud department. I did just that. No response from anyone. I contacted the bank daily and went to the bank to get updates weekly. No one could tell me anything. On XX/XX/XXXX I contacted the fraud department and I found out my case was given to a whole new case worker without my knowledge. I was told that my money would not be returned and I would need to file a police report. The bank says I should have known that the person that called me on XXXX XXXX was not actually from the bank even though the caller ID matched the bank when they called, even though they sent me emails from the bank verifying it was them I was talking to. I filed the police report # XXXX. The police are investigating. Please help, I am facing eviction due to this set back. The {$1800.00} they stole was for my rent.

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 2015-04-02
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband died two years ago. I have XXXX boys in college. My husband left me with significant financial issues, including outstanding medical bills, debts I was unaware of, a mortgage at a very high interest rate, etc. I began to try and refinance the mortgage over a year ago, with no success, due to my credit report. I tried repairing the credit history and still was not able to refinance. Finally, the mortgage lender NATIONSTAR MORTGAGE , LLC, told me I could be eligible for the mortgage assistance program. They told me to skip one month 's payment in order to show my need. Then, they signed me up for the new loan and told me I had to pay 90 days at a higher rate ( I assumed this was to make up for the payment that was skipped ). At the end of the 90 days, they lowered my interest rate from 8.3 to 7.8 percent - but my monthly payments went from {$2800.00} to {$3200.00} per month, plus accrueing fees of over {$200.00} per month which I ca n't get anyone to explain to me. In addition, Nationstar reported that I was late with those 90 days of payments, when in fact they were not only paid, but they were higher than the original mortgage payments. This then scarred my credit report yet again. Several more attempts have been made to try and refinance so I can get the monthly payment down to something manageable - but my credit report continues to hinder me. Not only has NATIONSTAR made the monthly payments higher through their " MAP '' program, they have added considerably to the amount of the loan itself. Before I started the MAP program, I owed approximately {$260000.00} on the house. I now owe over $ 270K. How does this happen when I literally begged for months for someone to help me? I do not want this to happen to others. Please help me and help others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father XXXX XXXX purchased a house for me in XX/XX/XXXX. He passed away XX/XX/XXXX. I am the representative of the estate and the house mortgage is now through Nationstar. Apparently they loss the documentation saying I was the representative of the estate and turned off m ability to make payments on account. I have tried to make payments numerous times as well as my wife. I have called and left messages with XXXX XXXX my account rep. and not return calls concerning this matter. I send in paperwork pertaining to certain issues and they lose after receiving it or say they never got it. Two days ago is when I found out talking to Nationstar that they said they had no paperwork on me as being the representative on my dads estate. Talked to them today and now the paperwork has shown back up. In all this has me in the rears on my payments by 5 months and threatening to foreclose on my house. Now they are saying I cangive them almost {$3000.00} plus lawyers fees to keep my house. My XXXX payments only come to about {$1300.00} which I have been trying to pay and catch up. If Nationstar ahd not screwed up my account like this I would not be behind in payment. The mortgage use to be with XXXX XXXX XXXX and they also lost the paperwork and tried doing the same thing. After my lawyer XXXX XXXX contacted XXXX XXXX XXXX about this matter and they corrected it. Nationstar has not tried in anyway to help all they want to do is take my house. My wife is on XXXX and me trying to do everything and now to try to come up with {$3000.00} to probably {$5000.00} to pay them is ridiculous. I am at my whits end and dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ECR called me from their phone number XXXX to my phone number XXXX. I asked for their address and they refused to give me their address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to get a loan modification for over XXXX yes with Phh mortgage. I have been submitting the requested documents and the underwriting dept continue to give me the run around like asking for documents that have already been submitted, stating I did not turn in documents by the due date and their representative states I did. On XXXX22 I received a letter stating that my application is complete then oXXXX XXXX-22 I receive a letter stating they needed a completed financial form. Makes no sense. Then I am asked to complete another application which I have done about XXXX times in the past 2 years. Very stressful unfair treatment. Please help!

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 2023-01-28
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} XXXX XXXX XXXXXX/XX/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