BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In approximately XX/XX/XXXX, someone unknown to me opened an XXXX XXXX XXXX XXXX account in my name without my authorization. I first learned of the fraudulent account when I received a collections notice in XX/XX/XXXX claiming that I owed {$2800.00} for an XXXX XXXX XXXX XXXX account ( Account # XXXX ). Neither the collection agency no XXXX XXXX XXXX provided me with any additional information about the fraudulent account. For example, I am unable to specify where the fraud occurred, which personal information was used to establish the account, what items or services were purchased, etc. 

I spoke with the collection agency and notified them that the account was fraudulent. The collection agency sent me a form of affidavit to file with XXXX XXXX XXXX. I filed the fraud affidavit with XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX apparently failed to take action on my affidavit, as I yet again received a collections notice in XX/XX/XXXX. 

I can not state any more clearly that I did not open this wireless account. During the time this account was opened, I had a XXXX XXXX account, which I've maintained at all times since. I do not have more than one wireless account. This is clearly a fraudulent account for which I should bear no responsibility. 

I would note that it is quite apparent to me that XXXX XXXX XXXX lacks the proper controls and processes to prevent this sort of fraud. I think it is entirely unjust to shift the burden here from them to me. I have no idea why I've had to file the same affidavit multiple times. I have no idea why it would be MY responsibility to go file a police report. This was a total waste of my time. XXXX XXXX XXXX is a large company with plenty of resources. It should do a better job of protecting itself and me from this ridiculousness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX, XXXXXXXX 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 ) has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. Experian, XXXX  and XXXX  removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at Experian. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. Experian sent me a letter asking for my drivers license and social security card, I submitted the information to them.

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 2022-07-19
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXX XXXX XXXXXXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX-Balance {$39.00} XXXX-Balance {$260.00} XXXX-Balance {$180.00} XXXX XXXXXXXX XXXXBalance {$0.00}

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 2017-10-16
Company: MB FINANCIAL, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I check my credit score regularly on XXXX XXXX. I noticed that my balance for boat loan had increased so I checked my account online and there has been a {$4000.00} fee assessed to my loan. I have made every single payment on time, there has been zero correspondence from the bank regarding a fee, and there is no detail at all on the account transaction to explain this. I have made several inquiries but can not get a human on the phone or a return phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. On XX/XX/XXXX I sent a wire transfer -- XXXX Euros. The bank charged my account {$35000.00} USD for this transaction. 
2. On XX/XX/XXXX, the wire transfer was returned and my account was refunded {$33000.00} USD. That is a difference of {$1200.00}. 
3. On XX/XX/XXXX, the local branch forwarded the dispute to the research department. 
4. On XX/XX/XXXX, the case was forwarded again. I was told that the local branch marked the dispute as confidential and the research department could not read it. 
5. On XX/XX/XXXX, I contacted Customer Support and was told that the agent assigned was XXXX. 
6. On XXXX, XXXX I received an email and was told that the agent assigned was XXXX . 
7. On XXXX XXXX, I spoke with someone in the Executive Office and was told that there was nothing that they could do. I requested confirmation of exactly how many Euros were returned. I was told to visit the branch office for that information. At that time, I initiated another complaint. 
8. On XXXX XXXX, I received an email that the case manager is 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 2017-08-23
Company: MCMC Auto LTD
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested to be on the DO NOT CALL LIST including all forms of contact with my auto finance company ( MIKE CARLSON MOTOR COMPANY ) as of XXXX 2016. I keep getting multiple collection calls and emails, I talked to the reps and a supervisor about the issue but nothing has changed. I had to change my phone number last weekd due to all the calls. I am seeking to file a lawsuit against MCMC for violations of the FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 non-monetary relief
Consumer complaint received 2023-06-13
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:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

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 2022-07-19
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to covid-19, my mortgage was in foreberance since around XX/XX/2020. In XXXX of this year I filled out loss mitigation paperwork so that my loan could be modified.. Flagstar sent my loan modification paperwork, I signed it and mailed it back in.. I spoke to someone a couple of days later and they confirmed that they received it. So, I started making payments ( over the phone with a customer service rep, because I couldnt make any payments online ) based off of the loan modification agreement. I did this for 3 to 4 months up until about 2 weeks ago, when I tried to make a payment but was informed that I couldnt because my home was in active Foreclosure. I spoke to many different phone in regards to this issue, but no one helped.. I had to resubmit the Loss mitigation paperwork, however, I have tried to fax them ( more than 10 times ) with no luck, Ive also tried to upload them to flagstars website ( about 3times ) also, with no luck.. I dont know what to do, I feel like this is intentional. Please advise, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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:
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 account 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 block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX Opened Date XX/XX/2015 Balance {$350.00}, XXXX, XXXX XXXX Opened Date XX/XX/2015 Balance {$870.00}, and XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: FORD MOTOR CREDIT CO.
State: CA
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:
Hi : I have leased two XXXX  from XXXX XXXX of XXXX XXXX on XX/XX/XXXX with Financing with XXXX XXXX XXXX XXXX. 
I have paid all the payments on time since it was on " Automatic Payment '' directly from my Bank Account. On XXXX or XX/XX/XXXX and due to their system failure, I was kicked off from " Automatic Payment '' program, backed to " Manual Payment '' without my consent or even without informing me about this change! 
Consequently I was late for more than 30 days on one of my monthly payments and until on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX to discuss this issue with me! 
I told them I didn't ask for any changes on my payment system and want to get back to automatic payment again. They said they are sorry for not notifying me earlier, because I was on " Paperless '' list so they didn't send me any notifications! But they said I can make a payment over the phone and then everything will get back to normal and I will be on " Automatic Payment '' again. Which I did and got back to their " Automatic Payment ''. 
But next week and while I was checking my credit score I realized that my credit score has dropped XXXX points due to the " XXXX XXXX XXXX XXXX '' report on me and because of " Late Payment for more than 30 Days ''! 
I called the company and talked to one of their reps and explained the case, she said they will investigate the case and will get back to me shortly, but have not heard from them since XX/XX/XXXX. 
Now I am planning to apply for a very crucial business loan for my business but because of having low credit score ( XXXX ) it seems impossible, just because of the wrongful report from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage note shows that my payment is due on thXXXX XXXX & I have 15 day grace period which gives me until the XXXX of the month to make a payment. XXXX c/o PHH Mortgage Services XXXX XXXX XXXXXXXX XXXX  XXXX NJ XXXX XXXX ; email : XXXX ; fax : XXXX sent me a statement dated XX/XX/XXXX & charged {$20.00} in late fee. In addition, I do not have an escrow account. XXXX is illegally trying to form one. I pay my own insurance with Foremost & my own taxes. In addition, XXXX initial mortgage with Fremont Loan in XX/XX/XXXX ended in XX/XX/XXXX. I had 2 loan modification which reduced the balance significantly. The XXXX the balance was reduced fr {$310000.00} to {$220000.00} after it transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX At-a-glance Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX who then transferred after the loan modification to XXXX XXXX XXXX, XXXX now known as Ocwen Financial Services Debt Collector License XXXX XXXX XXXX Mortgage Lender License No : XXXX XXXX No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Docket No. XXXX : has engaged in, or is engaging in, residential mortgage loan servicing practices which violate XXXX and XXXX laws and fails to meet the requirements in MA. As a result was forced out of the business. Latest settlement is XX/XX/XXXX : XXXX XXXX XXXXXXXX. The XXXX was modified with Ocwen who failed to apply my payments to my account so that I wouldnt get the next 2 allotments total {$110000.00}. During the time of fighting for the next two deductions from my mortgage, I was charged interest & late fees which were never credited. If MA gov fought for their residents, what is NJ doing for its residence? Failure to provide loan documentation from XXXX XXXX. Fail to post payments in a timely manner even when made on XXXX website before the deadline!!! 
Last payment on their website site : Pd PHH MORTGAGE SERVICES  Loan Payment complete! Confirmation Number : XXXX Nice work! Your payment of {$420.00} scheduled for XX/XX/XXXX has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent. 
2. I have never opened this account. 
3. I have never given given permission for someone to use my information to open this account. 
4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 says I am an authorized user and i never applied for that card.

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 2022-07-19
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My wife and I recently opened an Heloc account with USBank. When I went through the process of shopping this account I was sold on one feature. With this Heloc you had the ability to lock your draw for up to 10 years at interest only payments. At 10 years the principle would convert to an amortized principle & interest loan for up to 20 years to pay off balance. We were assured of this multiple times, even up to day of signing XX/XX/XXXX where our loan XXXX XXXX XXXX explained to my wife and I again that we could do this. He assured us we lock an interest only payment online, in person or by phone. He also told us we could do this up to 3 timesXXXX XXXX also increased our line of credit from XXXX that we requested to {$220000.00}, when we said we did not need that much, he said it gave us a better interest rate and he already did it. Fast forward to XX/XX/XXXX. I signed in online and tried to lock an amount at a variable rate and it would not let me. I emailed XXXX XXXX on the XX/XX/XXXX and explained what happened. He responded on XX/XX/XXXX I said I should be able to lock in interest only rates and he would assist. He later called me on the phone and assisted me and explained during the conversation it would be no problem and needed more time and would call me back. The next conversation was that sorry, can't do it. I added management to conversation and they told me after weeks of delay that they could only do 5 years, one time. This was an outright deception and they should be required to fulfill the guarantee of their representative. It was a bait and switch. Please help 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 non-monetary relief
Consumer complaint received 2018-12-17
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX was the company that I paid {$490.00} to, to help me forgive my student loans to a XXXX balance. They consolidated my loans and promised to submit my income every year to Nelnet but I have not been able to reach them at all. There number is disconnected and their email is no longer able to receive email. Phone XXXX was the number I have and the other name for the company is XXXX XXXX XXXX XXXX. Please help I want my XXXX back! They collected 3 payments of XXXX on XX/XX/18, XX/XX/18 and XX/XX/18. Account number I believe is XXXX

Company response to consumer: Closed with explanation