BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we had a modification with XXXX XXXX  when BSI bought loan did not take it over. tried get me sign new paperwork then put me in foreclose do to not signing. I called several time with no call back. putting over XXXX XXXX in escrow and charging me late fees. I ask several time why the XXXX  was not the same just would tell me to sign paperwork send back. they never even called old mortgage company for XXXX. i have not been perfect in the past yrs with older mortgage company 's do to a string of family health problems and bills but did not miss one payment when XXXX XXXX put me on XXXX. all I want to do is to down size my house and move. I like to fix few things in house try sell it for top dollar so BSI get their money maybe I walk away with something. but I would have to be out of foreclose to be able move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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:
I disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX, XXXX XXXX XXXX XXXX, In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: DISCOVER BANK
State: NY
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:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: FIRSTBANK
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I opened a bank account with XXXX located XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX and every paper I signed, I asked if my credit will be affected. They said no, and I continued to agree. Little did I know that they placed a reserve account which is a small line of Credit that I absolutely do not need. After looking though my credit score, it has dropped 20 points due to this issue. I called them right away and said they will fix this issue. They proceeded to cancel the cash reserve and will call me me back once the issue is resolved. Couple of hours later, they called and said there is nothing they can do and already talked to their compliance team. Keep in mind, they already canceled the service and now I do not have this cash reserve which dropped me 20 points, and this still on my credit report. This is simply not fair and very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Fig Tech Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I DO NOT recommend this company I have proof of illegal and unauthorized ACH activity. THEY COMPLETELY IGNOR THE TODAYS PAYOFF VS. CURRENT BALANCE AMOUNT!!!! If you pay the loan off early you dont still owe the CURRENT BALANCE! You owe the todays pay off amount, but that is rocket science. On more than one occasion I would go to schedule or make a debit card payment and they would always claim in an email they can not process the transaction at this time, denying my funds. They do not respond to emails, if they do once you ask for management or an account overview they ignor you.They do not care about the customer all they care about is fraudulently taking someones money. I have email threads and proof of scammer like activity. THEY NEED A CUSTOMER SERVICE PHONE NUMBER AND A PAYMENT ADDRESS SO I CAN SEND A MONEY ORDER FOR WHAT I ACTUALLY OWE FIG LOANS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credco XXXX XXXX XXXX XXXX, WAS NEVER AUTHORIZED XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX  BOTH WERE NEVER AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX was never authorized

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 2021-02-10
Company: SECURITY FINANCE CORP
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:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
we agreed on a payment amount and they started increasing the amount due outrageously and would not send me any documentation to justify the increased balance. which increased every week significantly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
XX/XX/XXXX - {$39000.00} - Car loan with Kia Motor Finance XX/XX/XXXX - {$41000.00} - Payments made from XX/XX/XXXX thru XX/XX/XXXX Account is now paid in full. 
As of XXXX XX/XX/XXXX credit agencies e.g., XXXX  have not been updated. Credit Agencies are still reporting an open balance of  {$15000.00}. Kia Motor Finance has not updated the credit agencies since XX/XX/XXXX. 

I have called, emailed and written Kia Motor Finance but they are unresponsive and ignore all communication.

I have a Letter of Satisfaction from Kia Motor Finance and my payment history attached for your review.

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 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: CO
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 made 6 withdrawals in one statement period from my money-market account at XXXX ( the online version of IberiaBank ). 

I was charged a {$15.00} fee for too many withdrawals. I called them twice, and they said that because 7 withdrawals were made in XXXX, that I exceeded the maximum number. 

But those are not the rules established in Regulation D of 12 CFR 204. The rule is not " monthly withdrawals, '' it is " per statement period. '' My statement period was from XX/XX/2018 to XX/XX/2018, and I made exactly 6 withdrawals in that time period : XX/XX/2018 - withdrawal for {$100000.00} XX/XX/2018 - withdrawal for {$1100.00} XX/XX/2018 - withdrawal for {$10000.00} XX/XX/2018 - withdrawal for {$5100.00} XX/XX/2018 - withdrawal for {$100000.00} XX/XX/2018 - withdrawal for {$4200.00} Their response was that I made another previous withdrawal in XXXX : XX/XX/2018 - withdrawal for {$10000.00} And therefore they charged a {$15.00} fee. But this is not correct, because that withdrawal was in the previous statement period. 

On the phone they said they couldn't reverse the charge and transferred my call to a " department '' that never picked up the phone. 

I have all of the statements and will provide if needed.

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 monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: MD
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 already sent a letter to Experian, XXXX, and XXXX Credit Bureaus on XX/XX/2023, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023. Specifically, the fraudulent items on my credit report includes credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.

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 2020-08-30
Company: Movement Mortgage LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I received a notification that my credit had been run by a mortgage company, I was in the process of buying a house back in XXXX, the deal didnt happen. We are still looking for a house and we found a listing recently my wife and I were interested in seeing. We contacted our real estate agent. The real estate agent decided to call the mortgage loan XXXX XXXX XXXX from Movement Mortgage in XXXX RI and asked for a preapproval. We never spoke to the mortgage loan XXXX XXXX XXXX and requested this. We werent even sure if we were going to use this company again. The loan XXXX XXXX XXXX ran my credit without asking. I didnt even receive a phone call after. I found out through a alert on lending tree.The last time I gave permission to run my credit was in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Please reference case complaint number XXXX Capital One is again sending mail to a previous tenant who has not lived here since at least before 2020, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX even though Capital One knows from my previous interactions with Capital One that this guy doesn't LIVE HERE FOR OVER THREE YEARS. AND CAPITAL ONE SAID ONLY THINGS ADDRESSED TO ME WOULD BE SENT AND THEY WOULD REMOVE ME FROM MAILING LIST SO NOTHING FROM CAPITAL ONE SHOULD EVER BE SENT TO ME LIKE THIS CAPTIAL ONE IS HARRASING ME and violating the privacy and PII of XXXX. Yet again. Which I have informed them of for SEVERAL YEARS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: OneMain Finance Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}.

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 2022-12-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dates : XX/XX/2022 evening and XX/XX/2022 early morning Bank : Navy Federal Credit Union Amounts : {$2300.00} {$500.00} {$640.00} {$100.00} {$450.00} {$610.00} The transactions were unauthorized from my checking and saving account sent through the XXXX XXXX. I have no knowledge nor recognize the recipient ( s ) of the money stolen from my account, nor did I approve of the money being sent. I do not know or have any individuals contact information for the funds that were sent. Phone account was comprised and had to reset phone.

Contacted Navy Federal Credit Union to dispute the transactions/fraudulent activity. The bank closed the account and mailed out a new atm card associated to a new open account. The bank did not provide a provisional credit and denied the claim. I immediate called to open a new claim and I have not received a response. 

I received a text from XXXXXXXX insisting that I update my account before the incident. 
I received calls from XXXX insisting that I update my account before the incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 Transunion Credit Bureau to update this suspicious information. I think you have not validated this account 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, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$53000.00}

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 2020-06-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Did not authorize to pull 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 2023-01-11
Company: EQUIFAX, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CEASE & DESIST from reporting unauthorized FRAUDULENT account.

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 2019-11-13
Company: Experian Information Solutions Inc.
State: MI
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/2019 I sent a letter to experian asking them to investigate XXXX. I asked experian to get XXXX to send the original contract of the loan with my signiture and experian failed to provide me with that information. Instead experian sent me dispute results saying item is updated with out any proof that an investigation was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: ERC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled my debt and received a letter from the bank who I owed the debt to. The letter dated XX/XX/2019 shows settled in full. However, I continue to receive debt collection notices from ERC. I called and advised them my debt was paid in XX/XX/2019 and yet received another attempt to collect this debt notice XX/XX/2019. I emailed the company XX/XX/2019 again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
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. 

Account Name : XXXX XXXX Account Number : 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 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