BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am aware that all " debts '' or " contract bonds/notes '' are PRE-PAID at the time of issuance of these contracts, by my UNITED STATES OF AMERICA 'S corporate/commerce entity 's ( which I am the authorized representative/beneficiary to ) XXXX XXXX XXXX XXXX held in the federal reserve bank. I have notified these DEBTOR companies of their fraudulent claims and reports, that they are misrepresenting the contract TERMS, by definition, who is to " pay '' these debts and whose CREDIT it is GRANTED by. My personal signature, or agreement in allowing access to the trust by providing the SSN, is assured by the Securities in TRUST, and is granted unlimited credit- without pre-judice or discrimination. This complaint is in accordance to UCC and USC codes pertaining to the above mentioned. 

DONE IN GOOD FAITH- ALL RIGHTS RESERVED- GIVEN FOR PATENT RIGHT : XXXX : of the family name XXXX, formally from the XXXX family Authorized representative to the " XXXX XXXX aka ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all other derivatives of these names- accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a 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 2022-08-10
Company: Experian Information Solutions Inc.
State: FL
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 do not know XXXX - XXXX company nor ever did business with this company. You have failed to provide me with a copy of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Upon challenging this account XXXX deleted this account based on the lack of ability to properly verify all reported information being accurate and verified. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are you not practicing Metro 2 Compliance? If such documents can not be produced please DELETE this account from my credit report immediately! Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX - to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized dacument does not constitute verification.

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 2020-07-27
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle was repossessed at the beginning of XXXX. I received a notice from the lender that the balance of the vehicle after it was sold at an auction was {$14000.00}. I called Regional Acceptance Corporation which is the auto loan lender on XX/XX/XXXX. It states that the 10 and 20 day payoff for the balance of the auto loan is {$15000.00}. I spoke to a representative whom informed me that the auto loan was sent to a law firm by the name of XXXX, XXXX and XXXX. I then contacted them and was told by a representative by the name of XXXX at XXXX extension XXXX that the balance now as of today to payoff was over {$19000.00} because the loan has continued to collect interest at a rate of 16.9 %. 
This should be illegal and at this point I will never be able to pay off the loan. How can interest continue to accrue on a vehicle that you no longer have possession of. Also throughout the time of having the vehicle I had to make several high cost repairs including one a few months after purchasing the car and repairing/replacing the transmission twice in XXXX when the car was not even 2 years old and had less than 60,000 miles.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought a house with FHA Loan through Nationstar after President Obama lowered the Mortgage Insurance Premium as of XXXX XXXX. I have made a couple payments at {$1800.00} with the MI of {$170.00} & taxes/insurance included because its mandatory to have an escrow account with a FHA Loan. Nationstar just raised my payment to {$2000.00} and they are stating there system shows mortgage insurance is supposed to be around {$290.00} a month, and the escrow accounts short. I have several calls into them and they are saying oh well the next analysis is n't for another year. I 'm being over charged now for mortgage insurance at which I signed HUD/FHA of MI payments at {$170.00} and paid {$4700.00} up front and not {$290.00}. Why are they still stuck on the MI rate when it was lowered by the US President XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While a student attending XXXX XXXX XXXX XXXX in XXXX XXXX, TX my mother leased a home on or about XXXX from XXXX XXXX XXXX  and was required to provide information on all persons residing at the property. I graduated XXXX XXXX in XX/XX/XXXX moved away and enrolled in XXXX University. On or about XXXX when applying to rent an apartment from XXXX XXXX  in XXXX, Tx, I learned about a Collection account ( total : {$11000.00} ) entered into my credit file with XXXX, XXXX, and XXXX. I informed my mother and she executed an affidavit for the property management stating that I was not a guarantor on the lease agreement and she was and is the responsible party. So I was allowed to rent the apartment unit. 

I also, drafted a letter to the collection agency which included the affidavit from my mother demanding proof of the debt and to remove it from credit file ( see attached Letter to CBSA Collections ). The agency responded but did not provide proof that I am responsible for the debt ( see attached Letter from CBSA Collections ). I then submitted a letter to the Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) informing them that the Collection Agency did not provide proof that I am the owner of the debt and requested that they remove the collection account from my credit file, however they refused. On XXXX, I sent a letter to XXXX XXXX XXXX demanding they send proof that I am the owner of the debt and to remove the Collection from my Credit File, to which they have not responded. Also, while corresponding with the XXXX XXXX XXXX XXXX, via email, it was stated that there was not an eviction case filed ( See attached document ) This debt does not belong to me and the CBSA Collections nor XXXX XXXX XXXX, nor the Credit Reporting Agencieshave verified that the debt belongs to me. It isimpacting my ability to lease housing and obtain credit lines and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
PLEASE REMOVE FROM REPORT. 

I HAVE GOT HARRASSING PHONE CALLS FROM COLLECTOR. I DID NOT SIGN ANYTHING IN WRITING STATING I OWE THIS. THEY CALL AND HARRASS MAKING THREATS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the consumer natural person making this report notifying XXXX XXXX of there Federal violations pursuant to federal law. Pursuant XXXX8 USC 1028a ( 2 ) is in possession of my credit card without my direct consent. Pursuant 18 USC 241 & 18 USC 242 XXXX XXXX XXXX XXXX XXXX are conspiring together to coerce payment from the consumer and both negatively affecting my individual credit reporting. This was an extension of credit from my credit card as defined by Congress in this Consumer Credit transaction. I envoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact any farther about this debt which is an alleged obligation. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company.

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 2023-06-29
Company: Butler and Associates, PA
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A few days ago ( approx XX/XX/2023 ) I received a letter in the mail from XXXX XXXX XXXX, attempting to collect a debt of XXXX XXXX One letter was a wage garnishment, the other a bank garnishment. Couple days had past and I see they got the FULL payment of XXXX $ from my bank account. Another day goes by and I get my paystub and I see XXXX $ is taken out by them as well. So now I am down XXXX XXXX missed rent, And they will no longer respond to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
Having a problem with Best Buy convenience checks issued to XXXX XXXX XXXX... I made XXXX check out to XXXX & XXXX bank to pay off credit card XXXX XXXX XXXX XXXX and it bounced from Citibank back to XXXX & XXXX bank because of insufficient funds and I was charged {$25.00} in the process. I contacted Best Buy ask them to take that off my acct. XXXX XXXX XXXX XXXX and close my acct. with them... prior to this I had a zero bal. with them the check in question was in the amount of {$2400.00}. I want this matter nullified and wish not to do business with Best Buy. Thank you for your help in this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Pa XXXX Cell : 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 2022-09-26
Company: CBC Companies, 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 is missing that should be on the report

Complaint:
XXXX XXXX is not reporting my mortgage to the credit reporting companies. XXXX XXXX now states because I filed bankruptcy back in XXXX  and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from XXXX stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This complaint is the follow up to my complaint that was submitted back on XX/XX/2019 against Bank of America which was forwarded to MsXXXX XXXX XXXX, Bank of America Regulatory Complaints Department, @ XXXX ( XXXX ) XXXX ext. XXXX. 
At the time I had applied for a Bank of America Platinum Plus credit card, I had a XXXX credit score and was denied for reasons that do not appear on my credit report. I had a bankruptcy several years back which have been discharged and do not appear on my credit report however Bank of America denied me credit based on criteria that is no longer relevant which was discharged and is well past the 10 year period. Ms. XXXX made ONE attempt to contact me, left me a message with her name, number and extension and asked me to call her back to verify my identity. I called Ms. XXXX, however after leaving numerous messages I never received any response. This matter WILL NOT BE SWEPT UNDER THE RUG. Ms XXXX response : The company sent its response directly to the consumer because it could not confirm who submitted this complaint. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. First off this is a JOKE! 
I have NEVER received the response from Ms XXXX or Bank of America, so as far as I am concerned this complaint as not been resolved and I am not going away. I want answers.

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 2022-11-05
Company: EQUIFAX, 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:
MY INFORMATION WAS COMPROMISED AND THESE ACCOUNTS WERE CREATED AS A RESULT OF MY INFORMATION BEING STOLEN. 

ALSO I CONTACTED THESE COMPANIES AS WELL AND DID NOT GET ANY RELIEF 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I paid off my XXXX XXXX XXXX credit card balance in full. I noticed that despite this being a billing cycle, the credit agencies still had an incorrect balance as well as an incorrect past due status. I filed a dispute with XXXX  on XX/XX/XXXX. In the interest of transparency, and my long relationship with XXXX XXXX XXXX, I called the company and let them know I filed the dispute. The customer service representative was disrespectful and insisted neither she nor her superior knew how the credit reporting team worked. I never actually spoke to the superior. The representative claimed she put me on hold and asked. I made clear that if this was not resolved in a timely manner, I would file a complaint. They had an attitude and we hung up the phone. 

XX/XX/XXXX they at last reported my XXXX balance and current status. I received an alert from XXXX XXXX on XX/XX/XXXX that my credit limit had been decreased from {$6000.00} to {$100.00}. I sent a secure message to XXXX XXXX XXXX Customer Service asking who or what caused this. I was told the Credit Bureaus alerted the Bank that my score had dropped so the credit card company took action to lower my limit dramatically and would evaluate me month to month. I found this difficult to believe as the Bureaus don't volunteer information on consumers. They report to the Banks/Financial Institutions whatever is relevant, and when they are asked, as long as it is within guidelines. I was also told that XXXX XXXX XXXX sent a letter to my house on XX/XX/XXXX. To this day, I have NOT received a letter in the mail of that nature. In fact, I have received numerous coupons and rewards instead. I am a paperless customer and pointed that out. After a few days back and forth with XXXX XXXX XXXX, they sent me a secure digital message on XX/XX/XXXX stating the information they claimed to have sent to my home on the XXXX. The letter and reasoning was inaccurate : I have a XXXX with XXXX that has a XXXX  balance, is in good standing, and has a five figure limit. One of the alleged delinquencies is a reporting lapse, and I have a letter to back that up. Additionally, I've had credit for well over a decade, so there is no issue with a young credit history. 

I strongly believe this was a retaliatory response to me first filing a dispute with XXXX  and then alerting them that a complaint would follow if they continued to drag their feet. I would also like to add that I would sign a sworn affidavit that says I never received the XX/XX/XXXX letter in the mail. As you will see, the letter they finally emailed to me is dated XX/XX/XXXX. Why not just attach the original one that was supposed to have been typed and sent on XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
5th Third Bank Allowed a credit card to be opened in my name and my wifes name using our old information after he move. 

Their fraud department caught hers and close her account down They did not catch mine the credit card went out and someone charge {$10000.00} on the credit card under my name I have been trying to resolve this with the bank and they will not do anything they are claiming that it is a valid account. 

After eight months of no payments or no contact on this account I had some mail forwarded to me after I reinstalled my forwarding from my old address and got a statement from them showing the card I called them at this time and provided them with my contact information cell phone email address and address Now theyre telling me because they have my contact information it was a valid account when it was initially set up. 

They close my wifes due to fraud and will not close mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nations Star Mortgage forced placed additional flood insurance above mortgage balance. 
Mortgage balance is approximately {$53000.00}, home incurance coverage A {$100000.00}, flood policy {$56000.00}. Mortgage company demanding flood insurance greater than mortgage balance, forcedplaced and charged my account.

Company response to consumer: Closed with explanation