BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NV
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 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 1681section 602 A States I have the right to privacy.

15 U.S.C 1681section 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 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
CitiBank _ Best Buy Charged card. Called my ex husband telling him about my miss payment regarding my account which my ex husband is not a joint account holder. My ex husband repeatedly ask them not to call him anymore and that went on deaf ears.

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 2017-07-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX Veteran who became late because of confusion from the VA dept. They suspend my payment by error, and I had no income. I became default on my mortgage. I was able to get everything corrected with the VA department and I now receive my full benefits again. I tried to apply for a modification because I resolved my hardship. Nationstar declined me because I make to much money? Unable to reduce the payment I have been told. I am trying to avoid a foreclosure.
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I am a XXXX veteran on a fixed income. I was injured in XXXX XXXX and this is the only income I will have for the rest of my life. I was in the XXXX from XXXX - XXXX and I have fought in the XXXX XXXX.
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I am not trying to lower my payment. I am trying to save my home from a situation I could not control. I want to avoid a foreclosure or a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am unsure of how anyone was able to access my credit file without my knowledge. There are several items reporting that does not belong to me. These is are reporting as a result of identity theft. Please assist me in getting these items removed from my credit file Incorrect Name Reporting : XXXX ( I don't write name altogether ) ; XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that is reporting on XXXX only.

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 2017-07-12
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I gave the title company XXXX as per the hud1 attached.  It was for payments ahead since the attorney (realtor) said I could pay ahead on the land contract since REC are paid ahead, but mortgages are always paid arrearages.  However the payment did not go to the escrow company.  I asked XXXX XXXX in a claim I made to XXXX XXXX about the money and she did not provide the copy of front and back of the check to me to provide to escrow because the attorney who did the purchase contract between me, XXXX XXXX XXXX and the sellers, XXXX XXXX and XXXX XXXX, mortgagors for the wrap around mortgage does not have it in the escrow company the two attorneys chose, XXXX XXXX.  
The attorney is confused and did a default letter because he was not present when the contract he did was explained to us by the title company escrow officer, since XXXX XXXX, and XXXX XXXX was the title company preferred vendor.
Now the attorney says represents the seller, and I did not know that, I did not know I can contact an attorney, and I do not know if the buyer agent is then the title conpany
HOwever, the seller is in default of the mortgage because says never got my payments from the title conpany and that is why he was late and now owes XXXXK to the bank and they are foreclosing and says he has been in hardship due to the missing XXXX a the title company  Maybe the title conpay paid some other land contract?

However, I paid and I am paid until XXXX and they are taking the house awy from me.   The escrow conpay only has XXXX to offset the XXXX missing at the bank.  Please help tracing back the $XXXX from title company that propelled the XXXX missing from the bank through escrow.  
thank you we want to keep our house I am a single mother of XXXX XXXX, XXXX, and with one XXXX kid.

I got a substandard house i changed the ac, the heater, the water heater, repaird roof, floor windows and paid all months and only owe XXXX in my house.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX  Subject : Inoperative Alarm w/ over 20 messages from ( XXXX ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You Are Dissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX ( XXXX ). My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. On XX/XX/XXXX the front door had set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are reporting incorrectly a balance due of {$4700.00} as well as the account having been late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss. I have attached a copy of the TOTAL LOSS CONFIRMATION LETTER dated XXXX from XXXX XXXX XXXX Companies. This letter declares that the vehicle has been deemed a total loss due to a collision and that the lien has been paid off. This incorrect reporting of a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-03-01
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Money was transferred using my Western Union account to an unknown person and unknown location from my XXXX Bank Account in XXXX separate transactions totaling {$1600.00}. I did no authorize or initiate these transactions. I haven't used XXXX XXXX XXXX in the past 1 year at all. A third transaction was also attempted but was rejected by XXXX XXXX. 
I also received an email from Western Union saying that the fraudster picked up the money in person from one of the Western Union locations as well within minutes after the transaction was sent.

One of my family member 's name was used as the receiver for the transfer.

So my Western Union account was logged into without me knowing, money was transferred without my consent ( tried 3 times, successful 2 times ), money was probably received by an imposter at a Western Union location in my family member 's name.

Multiple failures on Western Union 's part for the security of my account and the money transfer process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
On Thursday XXXX the XXXX I tried purchasing a phone and phone service at a local XXXX XXXX XXXX  store and before I could do so I had to verify my identity for credit purposes. The verification process involved me providing two forms of identification and speaking to an agent on the phone who asked me a few questions to verify my identity. After doing so I was told that the answers I had given didn't match up to the information on my credit history/credit report and therefore I would not be able to complete my purchase with XXXX XXXX XXXX until I could resolve this issue. I do not understand why or how that was even possible but need to know what steps I need to do in order to fix this so that my id verification can be verified and I do not run into this issue again.

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 2022-10-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2022 XX/XX/2022 please remove from 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 explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im 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. 

DEPT OF EDXXXX XXXXXXXX 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 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 7 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 2023-10-21
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
On XX/XX/XXXX I called cardinal mortgage to inquire about the HAF fund that was allocated to and my husband to help in a loan modification process. The reason I called was because my new servicer XXXXXXXX XXXX stated they could not locate the HAF fund that was received, the fund was never transferred to my new loan servicer though it was received On XX/XX/XXXX, XXXX XXXX contacted Cardinal regarding the receipt of mortgage assistance funds in the amount of {$60000.00} from the Maryland Homeowner Assistance Fund ( HAF ) agency. XXXX XXXX was advised that Cardinal received and forwarded said funds to the Cash Department for processing. ( Per prior complaint response from Cardinal made in XXXX. ) the fund was never transferred and Cardinal confirms receipt to the HAF department on XX/XX/XXXX per HAF. 
The fund was received prior to transfer and was never transferred and cause a delay in my partial claim process. The new servicer XXXX XXXX is not willing to wait for the fund and sent me a modification which will cause my interest rate to increase. The HAF fund would have allow me to benefit for a partial claim which would have caused my interest rate to remain the same. 
It seems as if this is plan by both mortgages to increase my interest rate especially for XXXX XXXX to benefit more from my loan. 
I have been asking where is the fund, HAF has no record of the fund being returned to them. Cardinal is unable to tell me where is the fund. 
XXXX XXXX sent me modification paperwork to sign 14 days from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I closed my account with Wells Fargo after banking with from XXXX. Last overdraft I attempted to dispute the charge that took a significant of portion my check. It shouldnt have due to the fact I had direct deposit the following day. Im not going to argue with a financial institution with access to my money. Ultimately, closed my account and changed banks. Ive also had instances fraudulent charges to checking accounts I asked to be closed or have the account number changed. I have yet to encounter constant overdraft fees from holds from the bank I am at now. With my account from being closed at Wells Fargo Im not sure how to proceed with seeing if I am entitled to the settlement by going over documents. Claiming email correspondence is not secure from the financial institutions website/application also seems like it could make keeping documentation difficult.

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 2020-10-01
Company: Experian Information Solutions Inc.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Innovis
State: UT
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:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Innovis has been reporting unverifiable and inaccurate information on my credit from XXXX which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently had to pull my credit report because I was going to apply for new car and found violations on my account which will hinder me from getting new car. I understand pursuant to 15 US Code 1681a2B any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card. I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new car.

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 2019-09-17
Company: EQUIFAX, INC.
State: VA
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:
repossessed vehicle sold but no value credited to account. Remains on credit report inaccurately since 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
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:
Transunion/XXXX have done two investigation with the XXXX child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. Transunion/XXXX   has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.

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 2019-10-25
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX an unknown unannounced guy knocked on my door as I was walking out. Then he handed me a summons to court. Then he left. He didn't leave a card or say his name and coming to my residence harassing me. They never contacted me with any debt validation letter or other mail informing of this debt nothing. 
Violations include Illegally inform the third party about an alleged debt Repeatedly call a third party for my location information Fail to send a written debt validation notice in the mail Continue to collect on the debt before providing verification I as the debtor is under the RFDCPA, a debtor, if he or she informs a debt collector or creditor to cease communications in writing, upon getting that notice, communications must stop.

Company response to consumer: Closed with explanation