BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to covid I lost my job and went into forbearance program with flagstar bank my mortgage bank, after I start working again I applied and was approved for streamline loan, I paid XXXX months what's called trial, after XXXX months I got the paperwork to fill out sign and noterize, did it all send it in took a picture from the tracking number, called them and a representative confirmed with me that they got the documents on XX/XX/2002, after a while I still got emails and calls about the documents, I called back and start getting the run around somebody will call me blah blah blah .... The only calls I got was harassment about when I can start paying the mortgage ( old balance ) and every time I told them I sent in the papers and I'm waiting the account to be updated, I called back after a week and they said well they don't know what happend with the documents they going to send a mobile notarization, she came down filled out the papers again, she provided me with a tracking number and after a few days I checked with the bank after transferring me XXXX times they confirmed that yes they received it on XX/XX/XXXX, and of that week I received a latter that my loss mitigation file has been closed because they haven't received the necessary documents to complete the modification, called them being on hold for hours nobody is available to speak to me, they can have someone call me back, which we know from experience that it doesn't happen, and that's where I'm right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX was notified of fair reporting act, Spring Oaks Capital LLC continue to park this old debt on my credit report, sabotaging the credit score on various occasions, the debt is to old to be on the credit report, and disputed this twice with XXXX. This debt was closed XX/XX/2014, reopening on different collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: TN
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account # beginning with XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXXXXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX XXXX XXXX Account # beginning with XXXXXXXX XXXX XXXX Account # beginning with 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. I did not give them 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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Why is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX showing up on my credit report when it is not mine i do not owe money to this company or purchase anything from them, because i do not have an account with them so remove it

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 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # beginning with XXXXXXXX XXXXXXXX XXXX XXXX  ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX XXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX  beginning with 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. I did not give them written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States. no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately

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 2022-02-28
Company: American First Finance, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good morning I recently took out a loan with American First Finance XX/XX/XXXX of XXXX I purchased a refrigerator the refrigerator was {$1600.00} they give you 101 days to pay it off with no interest or fees after that they tell you that you know the price will be higher yesterday XX/XX/XXXX I called them because I looked at my credit report and I wanted to try to pay off the loan my credit report only shows that I owe {$1300.00} so this is what Im looking to call to pay them once I talk to representative XXXX he made me aware that I still owe {$4500.00} I told him that is not what my credit report says and I told him I went online to try to find my contract and it wasnt available because they never sent it to me so he Then forwarded me the contract to my email so it shows that if I dont pay off the loan it goes up to {$6600.00} which Ive already paid {$1700.00} I told him I dont remember signing anything that says Im willing to pay something that high I asked him whats the interest rate on that and I think that its illegal to charge someone at least six times what they borrow and he said that its not .he then said the settlement offer would be {$3200.00} I still told him that price was ridiculous he dropped it to XXXX I asked him to just let me pay what it says I owe on my credit report which was the {$1300.00} he said no the lowest that theyll go is XXXX I then said at least drop it to XXXX I will pay that he said no I asked for a supervisor the supervisor XXXX agree to XXXX I still feel like this is unfair so I told them let me contact some people to see if this was fair that they were charging this amount and I will get back to them they gave me 30 days to except a settlement of XXXX I need help finding out is this fair and are they able to charge people ridiculous prices like this I honestly dont remember signing that I would pay this large amount but they sent me the contract so I guess Im stuck unless you could tell me otherwise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Incorrect Interest Saving Balance being assessed by Chase. See attached annotated statement for relevant information and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: MO
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:
Pursuant to XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection XXXX c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is identity theft. This was submitted to EQUIFAX via EXPRESS MAIL Tracking # XXXX on XX/XX/XXXX with a signed return receipt tracking # XXXX. EQUIFAX has failed to comply. 

Pursuant to XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Congress defines a person under XXXX XXXX Code XXXX - Definitions ; rules of construction ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

These accounts have damaged my reputation. 

As a consumer I DEMAND a PERMANENT DELETION of these accounts. 

XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : # XXXX DATE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : # XXXX DATE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : # XXXX DATE : XX/XX/XXXX As a consumer I DEMAND the PERMANENT DELETION of the following addresses : XXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX of XXXX, XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I settled a mortgage dispute with XXXX and I thought everything was very clear, I did not agree with a host of fees due to the nature of the issue and thus the fees were waived ... Now I'm looking at tax documents though and XXXX filed 'Cancellation of Debt ' with the IRS which means a few things. One that they still feel those debts were valid, I'm supposed report this as income, and 3rd, they get to take the deduction all after they totally and completely mishandled everything to do with my loan and the foreclosure which should have never occurred, that I paid off in full but yet they continue to try to 'stick it to me ' which I feel is in violation of our settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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:
For multiple months at a time, I have disputed, submitted, faxed, mailed letters, police reports and court documents to Equifax in order to remove unauthorized accounts and inaccurate information. I have also placed a fraud and freeze alert on my account. Many times of which the dispute results returned within a couple of hours with zero changes or updates. This has been a very tedious process without any help. I feel violated, very compromised and devalued as a consumer. These companies are suppose to be in place to help the consumers, not hinder. I would greatly appreciate any help received to resolve this situation. 

Inquiries : police report provided to Equifax XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX  XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, 2020 XXXX XXXX XXXX XXXX  2020 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX  XXXX XXXX, 2020 Accounts : XXXX XXXX XXXXcourt documents provided to Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXXT XXXX XXXX XX/XX/2022 XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Company: Experian Information Solutions Inc.
State: OH
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 XXXX, is reporting an unpaid account in my maiden name for an unpaid account that was sent to collection. I contacted them after disputing the account but the company certified it as accurate with Experian. The address was for an address that has never been associated with me. I haven't used my maiden name for at least 15 years and I had XXXX for 14 years. I haven't had XXXX XXXX XXXX for 20 years and didn't owe a balance and I've never had services with XXXX. Clearly XXXX  XXXX should not be certifying this debt as accurate on my credit report. It is false.

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 2022-02-28
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I authorized a check payment in the amount of {$6500.00} to Radius Global Solutions. 

All other checks processed for payment cleared my account without any problems. 

On XX/XX/2022 XXXX XXXX I received an email from Radius Global Solutions claim. 


On XX/XX/2022, XXXX XXXX of Radius Global Solutions claimed on XX/XX/2022, the " payment posted '' but the " check was returned due to insufficient funds. '' This is factually incorrect. The reason I paid my balance in FULL was because there were sufficient funds in my account and remain sufficient funds in my account. All other authorized check payments cleared my account EXCEPT Radius Global Solutions. 
XXXX XXXX denied there was a delay. XXXX claimed he did not know if there would be " enough '' to for me to cover the debt. I responded that he was making inappropriate considerations. XXXX XXXX is not my financial advisor. I am the customer, I paid the debt in FULL. The business need not be concerned about my " ability to pay '' as the debt was paid in FULL with the expectation the business would complete their end of the transaction without ANY delays. XXXXXXXX XXXX  statement indicates he is acting outside the scope of his duties. My financial abilities should be of no concern to Radius Global Solution as my payment was made in FULL on XX/XX/2022. 
I informed Radius Global Solutions that I will be contacting XXXX XXXX bank about their business practices. 

I request an inquiry into the severe delay in processing my payment as it is now XX/XX/2022. 

Attachments ( 1 ) Radius Global Solutions Email to Customer

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 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please understand that the details in my credit report are inaccurate. It includes name, addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous 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 non-monetary relief