BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: ASSURANCE FINANCIAL GROUP, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2022, I received a letter confirming my approval for a COVID-19 Combination Partial Claim and Loan Modification, along with a packet of documents that needed to be signed, dated, and returned ( please see attached ). However, XXXX of the co-borrowers on the original loan had died and needed to be removed from the COVID-19 Combination Partial Claim and Loan documents before they could be signed, dated, and returned. After notifying Assurance of the co-borrowers death, they instructed me to email his death certificate along with the Deed of Recording for the property to loss mitigation. I was also instructed to start making the Modified Monthly Mortgage payment that was stated in XXXX letter ( {$1300.00} ) while I waited for the corrected documents to be drafted for me to sign. It was conveyed to me that unless I could not afford the new modified monthly mortgage payment, the amount would not change on the corrected documents. 

In XXXX of 2022, I received a letter stating that I had advised Assurance that I was ready to resume making regular mortgage payments. This letter was only accompanied by copies of the Subordinate Note and Mortgage or Deed of Trust forms that still had the deceased listed as a co-borrower ( see attached ). After receiving this letter, I contacted Assurance to notify them of the following : XXXX ) The letters opening statement was incorrect. I did not advise Assurance that I was ready to resume making regular mortgage payments. I did however notify Assurance before the end of my loans COVID-19 Forbearance period that due to a reduction in my income, I would NOT be able to resume making regular mortgage payments. This was why I requested and was approved for a COVID-19 Combo Partial Claim Loan Modification. 
XXXX ) I received the wrong packet. It did not contain a COVID-19 Combo Partial Claim Loan Modification. It only contained a Subordinate Note and Mortgage or Deed of Trust forms to sign, date, and return. 
XXXX ) The Subordinate Note and Mortgage or Deed of Trust forms I received still had the deceased co-borrower listed on the loan. 

Assurance responded by stating that new documents would need to be re-drafted with the above stated corrections and this would take approximately XXXX months. However, I never received any new documents. Instead, I received notice in XXXX that my home was in default and is now currently on the verge of foreclosure. Please advise as soon as possible on any next steps I can take at this juncture to save my home.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. XXXX, XXXX and experian need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the XXXX disaster and florida hurricane XXXX and XXXX. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX and Experian should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail.

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 2022-09-22
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: MD
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:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 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 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 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It show on my report it should be remove because it incorrect it show be deleted on my credit report Im am exercise my right to the fair credit act section 609 the request info regarding XXXX XXXX XXXX. If you unable to verify the account with the original contact the information should be removed from my credit in 30 days.

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 2023-01-28
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions 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:
Last year XX/XX/2022 occurred the scariest event in my entire life. I never checked my credit report and to be honest I didn't even know about Credit reporting agencies were before then. I was a Victim of Identity theft, I have heard of people talking about it before, but never did I think that I would be a Victim. It wasn't until I received a very disturbing phone call that left me XXXX XXXX XXXX XXXX that I realized that something was wrong. After crying and talking about it, I stumbled on a XXXX video and said I can call the Experian and tell them that you have been a victim of fraud so that they can lock your account, and no one can access it to create any new account under your name. So, I called the credit reporting agency Experian and informed them of the issue they placed a Fraud Alert on my credit report on XXXX. I have never been able to use my credit ever since. It has taken over a year before I finally got advice what to do. I am negatively financially affected.

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX  inquires with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe 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 2023-12-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is in reference to : XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Balance due : {$3300.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. 

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. 

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. 

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax, XXXX, and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2022-05-26
Company: JPMORGAN CHASE & CO.
State: UT
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 rewards from credit card

Complaint:
I have a chase united quest card I get XXXX a year to use a statement credit back when I buy tickets with XXXX. I only XXXX of it last year and I still had a little over XXXX left I didn't know I had to use it by XX/XX/XXXX nothing in the terms and conditions say XX/XX/XXXX so I bought a ticket on XX/XX/XXXX XXXX for over XXXX they applied XXXX for the next year on that one and did not use my other XXXX if I knew I had until XX/XX/XXXX to use I would I did not know when the the dates reset I have done everything right on the this card and paid the annual fee and done everything required of me I want that XXXX back in a credit I did not know the date it expired and would have used had I known. the customer service people are rude and do not want to help with us at all they because of the date of XX/XX/XXXX expired they don't have to give me anything on it I want this XXXX credit and will fight until they approve it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I'm sorry I can't remember the dates but I had a credit card from the Bank of Omaha. I had other credit cards from other companies also, my credit was great at 800+. I had received checks from BoO saying I could use them and the interest would not start for 6 months and then it would be a very low-interest rate. My HVAC went out and I had to have a unit. I used one of the checks and then the bill came in. They had added it to my account at the regular interest rate. This made my minimum payment skyrocket. For this card alone, my minimum payment was {$250.00}. I only had Social Security and before this, I managed to pay over the minimum for all my cards. I called and spoke with the company and they denied that the checks they had sent said this. At this time, I had more checks and proof that it did indeed say that. I no longer have these. 

I couldn't make my payments and I didn't know what to do. I contacted all my credit cards and all of them except BoO and XXXX agreed that I could make a lower payment and get caught up. But considering that BoO and XXXX wouldn't let me do this, I still couldn't make my payments. A company called me and said they could help me and get all my cards paid off in four years. Well, that didn't work out as they were going to keep the money I sent in every month and then " make a deal '' with all the credit card companies. 

A few years later BoO sued me, and the court date was put off due to COVID, It was re-set, and then it was canceled again. I had no idea when my court date was then. Then I got a letter from BoO and they had put a lien on my house because I hadn't shown up in court. How could I when I had no idea when it was? I had previously called the Attorneys that were listed on the paper and never got an answer no matter when I called. 

This whole problem, ruining my credit and all the rest was their fault for sending me checks and offering me promotional rates that I never received. Then taking me to court and did not let me know the date to show up. 

Now, my credit is ruined, and only recently did I get another Credit card. XXXX XXXX took a chance on me and I'm back to paying my cards as agreed even though the APR is astronomical. I pay more than the minimum every month. I could have paid off the cards that I had then if only BoO and XXXX would have given me the chance. 

Sincerely, 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 2022-07-29
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I've used Remitly to transfer money from my U.S checking account to my account with XXXX in XXXX where I'm engaged in real estate remodeling. I attempted to send {$1500.00} on the XXXX of XXXX, 2022. I plan was to use the money to pay for repairs being completed on a real property in XXXX as well as credit expenses. The money was to be transferred that afternoon. Up to the XXXX of XXXX the money was still not transferred. I phoned Remitly and their reason for the delay was that XXXX wanted to see my account statement which would need to be uploaded. On or about the XXXX of XXXX I uploaded my most recent bank statement and answered the reason for the transfer... business expenses. On the XXXX of XXXX the funds were still not transferred so I phoned Remitly again ; I was again asked the reason for the transfer and a copy of my bank statement. When I explained to the agents that I already provided the statement and answered the reason for the transfer I was then told that XXXX wants to see my income tax statement ; at that point I kindly explained that I am not requesting a loan from Remitly nor XXXX. I was told by the agent that " it's just for security purposes, '' to which I responded that I've had the same U.S checking account for the last XXXX years and I'm not under investigation with my bank, any U.S agency or any agency whatsoever anywhere so neither Remitly nor XXXX has any purpose investigating my account nor source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/23 my Credit card was charged {$2000.00} from a XXXX..THIS IS FRAUD AND I NEED THIS MONEY BACK. PER YOUR POLICY FRAUD IS NOT LIABLE TO THE CUSTOMER. THIS CHARGE IS FRAUD AND YOU ARE TRYING TO MAKE ME PAY IT WHICH I WILL NOT BE DOING. 

THIS CHARGE IS FRAUD AND I WILL REPORT IT OVER AND OVER WITH THE CFPB IF I NEED TO UNTIL I GET MY MONEY BACK. 

THIS IS SO RIDICULOUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation