BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX, and I am a Federally protected Consumer. I am initiating this complaint in order to address the unfair, impartial, and inequitable behavior of the consumer reporting agency EXPERIAN in regards to a recent Fraud Alert which was added to my consumer credit profile without my expressed written instruction, consent, or authorization. After providing specific written instructions pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information was authorized to be furnished on my consumer credit report, an agent, authorized representative, or employee of EXPERIAN elected to place a Fraud Alert on my account, and subsequently notified XXXX, and XXXX that a Fraud Alert was requested by the consumer. IT IS A FACT THAT I DID NOT AUTHORIZE A FRAUD ALERT to be placed on the account and I DID NOT PROVIDE ANY PERSONAL STATEMENT regarding a Fraud Alert to be added by EXPERIAN or any other credit reporting agency. EXPERIAN as a repeat offender and violator of the FCRA, continues to habitually demonstrate its disregard and lack of respect of my rights as a consumer by deliberately and willfully failing to comply with its obligations under the FCRA. I have attempted multiple times to address this issue by directly calling the EXPERIAN Fraud Department, however each attempt has been unsuccessful. EXPERIAN as a consumer reporting agency governed by the FCRA has no authority under Federal Law to willfully and deliberately ignore the specific written instructions of the consumer made pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information is authorized to be furnished. EXPERIAN is once again willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of the Fair Credit Reporting Act by failing to furnish information in accordance with the written instructions of the consumer. It is hereby required under Federal Law that this agency immediately remove or delete the unauthorized Fraud Alert and the Unauthorized Personal Statement pertaining to the Fraud Alert.

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 2022-06-30
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I lost my husband to XXXX XXXX XXXX. I was very overwhelmed not only by losing my husband but also by switching his military retirement and social security income over to me as a surviving spouse. I utilized the forbearance plan to try to get everything together and have a break from mortgage payments. I was informed that my forbearance was ending and I called Amerihome to explain my situation. I was told that due to the passing of my husband a form would be sent to the VA requesting an extension on my forbearance. I was also told that an extension would be 3 months. I went back to getting everything settled. I then asked for a partial claim from my lender and was told I was denied because it had been too long since my forbearance ended. I then spoke to a foreclosure attorney who agreed to help me. On XX/XX/XXXX they sent a letter to my lender and never received a response. Phone calls were made to my lender requesting a response on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The refused to answer the letter. At this point, we are sending in the letter requesting research that was sent to my lender. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX  ) 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

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 2022-07-28
Company: CURO Intermediate Holdings
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit collection from Ad Astra Recovery trying to collect {$1600.00} which was collected for XXXX XXXX. I have responded to them by phone telling them that I did not take out that loan and wasn't responsible for that collection. The collection is even on my credit and have lowered my score significantly. This collection from XXXX XXXX is a fraud and identity theft. No one will clear this problem. This has been going since XX/XX/2022 My file # with them XXXX. Please advise and clear my credit repor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt is disputed ( see attached letter sent ) and asked to not contact me again. Not only did Debt collector called again, she left voice mail lecturing me on how I need to pay this purported debt. Then she called again ( this time I saved an image of the call and voicemail to evidence the abusive practice - see attached ). 

Please help make this abusive behavior stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: ENCORE CAPITAL GROUP 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Midland Credit Management # XXXX ( XXXX XXXX XXXX ) 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive sent letters off and receipt confirmation on XX/XX/2022 From Experian. Here is my United State Postal article # XXXX and received confirmation from XXXX XXXX, confirming Experian did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!!

Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 an account without my written instructions AND I did not give anyone 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Name : US Dept Of Education, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2022-08-22
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted to resolve the problem with the servicer. I sent qualified written request as well as debt validation notices. I have concerns about the assignment that was recorded from XXXX XXXX XXXX according to my deed of trust XXXX was not listed and that is who I originated the loan with. My original loan number was XXXX and the new loan number is XXXX. This altered the contract that I made and agreed to and signed in 1997.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
As an uninformed consumer, I entered into a loan contract which is I am now informed is supposed to be a consumer credit transaction with Department of Education for higher education. I, the consumer, was uninformed of proper disclosure and opt out options for this extortionate contract. Furthermore, I, the consumer, have been violated through tarnish of reputation with reports to the CRAs. Department of Education have communicated without written permission inaccurate information and has committed identity theft because no permission is theft. 
Attached is a cease and desist and copy of consumer reports

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 want Trans Union and XXXX to also take notice of my current complaint and response to XXXX. XXXX is just acting with their power and money and everybody else seems to decide to make silence. BUT I AM NOT GOING TO MAKE SILENCE NO MATTER XXXX 'S POWER AND MONEY.

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 2022-06-30
Company: Finance of America Holdings LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Finance of America has lost XXXX of payments that I have sent them within a few months time. The most recent one is XXXX payment of 2022. The payment was sent by my back on XX/XX/XXXX and was delivered on XX/XX/XXXX. Finance of America lost the payment and is charging me late fees for there mess up. I sent them documentation of a bank statement copy showing the payment was made on time to the Mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
As an uninformed consumer, I entered into a loan contract which is I am now informed is supposed to be a consumer credit transaction with Department of Education for higher education. I, the consumer, was uninformed of proper disclosure and opt out options for this extortionate contract. Furthermore, I, the consumer, have been violated through tarnish of reputation with reports to the CRAs. Department of Education have communicated without written permission inaccurate information and has committed identity theft because no permission is theft. 
Attached is a cease and desist and copy of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
About four weeks ago I called TransUnion about a credit account freeze and ended up subscribing to the TransUnion Credit Monitoring News Letter which I was told could be cancelled within 30 days with no charge. I quote from a letter dated XX/XX/2022 : " If you don't cancel your membership within the XXXX trial period ... '' On XX/XX/2022 I called TransUnion and in a completely garbled and difficult conversation with a service representative cancelled the Credit Monitoring Service and asked that a cancellation notice would be sent to me by mail. As of XX/XX/2022 I hadn't received a notice. So on XX/XX/2022 at about XXXX XXXX  I called again. The first person I talked with spoke with clarity and then transferred me to a person I could not understand because her speech kept breaking-up into unintelligent blurs. With customer service like this how can TU call itself anything other than a flop?

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 2022-07-28
Company: Experian Information Solutions 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:
I sent a letter off on XX/XX/2022 and also tried to dispute it via website. Here is the tracking # 's XXXX, & XXXX remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681 I have the right to privacy. Also according to 15 U.S.C 6802. No financial institution is not allowed to share my information to a third party. 

These are clear violations of my federally protected consumer rights. 

I also completed completed a identity theft.gov complaint. Confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2022-06-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Dispute with Ally Financial : XXXX coverage was not applied correctly. I have attached a statement which includes some timelines ; however, I have additional information with special details of my communication with Ally Financial and other companies that were acting on my behalf. I am prepared to provide additional information if requested.

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 2022-09-21
Company: EdFinancial Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a refund request to edfinancial and I assumed there would be someone who could give me any information on when that would happen. I expected even a timeline of any sort but I got no information and they refuse to give me any saying " we are given no timeline or information on when it will happen. '' They are sounding extremely sketchy with my refund and I don't actually think it is getting handled properly. Edfinancial has told me nothing on both phone calls I've had XXXX weeks apart from each other giving them time to hopefully get some information but they continue to give me nothing. I never even got a conformation of the request being sent in so I have to rely on their word over the phone alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I have reached out to JP Morgan Chase auto finance to request verification Of a XXXX XXXX XXXX. I have noticed something strange on this account, so I asked the representative to verify this account and to mail me everything. all I received was a chase logo address with my name and some type of finance charge that is not proper send missing the contract and the finance charge papers. I have waited more than two weeks and today XX/XX/XXXX, I reached out to chase and ask them again to send me the original contract with my wet signature. that representative who took my call she assured me that she sent me the contract and the finance charge which is the one I am attaching on this file I also told the representative to follow the procedures of 12 CFR 1006.42 which is required by law the representative misleading the communication tell me to reach out to my local post office and ask them why my mail have not arrived and just for the information she mislead my mail is received accurately on my address I am asking JPMorgan Chase to follow those procedures and if you can not verify this account correctly remove it from my credit report there is a procedure that you JP Morgan Chase auto finance needs to obey and follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: American First Finance, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen over a month ago and I have been disputing charges. I received a bill on XX/XX/XXXX for {$5200.00} from American First Finance. I never applied or received goods for any items. I called American First Finance and they let me know that items were purchased at XXXX XXXX in XXXX, TX. They verified the items were delivered at XXXX XXXX XXXX XXXX, TX. XXXX XXXX has video footage of an XXXX XXXX  female purchases the items in the store. I filed a police report and there is an investigation underway. The XXXX police department stated the person who stole my account also stole my drivers license number and created a fake id to purchase these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
It's been 2 weeks already I spoke to customer service representatives at equifax they said that everything looked fine on there end but I can't access my credit report and it does not allow to me freeze my credit report. This happened 3 other times since I've paid for the service/product. 
I've attached screenshot shot of what I see. 
I don't know if my credit report is frozen or if my information is being taken without me knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: M&T BANK CORPORATION
State: IL
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:
On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.

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