BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have Inaccurate Information on my credit Report, My Credit report Shows that i have 3 Different addresses. I've Never Lived at those Addresses Listed the only Address that i Lived at is XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. I need those other addresses Removed immediately, I never gave them Permission to report any of those addresses. 
I also Have found multiple errors on my Consumer Report that are Listed below XXXX XXXX ACCT XXXX XXXX BALANCE : {$46.00} THIS ACCOUNT WAS NEVER LATE XXXX XXXX  XXXX XXXX ACCT : XXXX XXXX : {$9700.00} Remove this Account Immediately XXXX ACCT : XXXX XXXX Remove This Account Immediately XXXX XXXX  ACCT : XXXX balance : {$650.00} Remove this account Immediately 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: APG Financial Inc
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attached the letter that I sent to this alleged creditor on XX/XX/2023 that was received by APG FINANCIAL, INC. on XX/XX/2023. With the exception of the CFPB complaint that was filed against the creditor on XX/XX/2023, I have yet to receive a response from from this creditor and its attorney, its officers for each and every communication I have sent. 

Please consider this my notice and request to provide me the following information : 1. Notice from APG FINANCIAL, INC. to me, the party whose credit record was subject to the negative credit report, that a negative credit report may be submitted to a credit reporting agency. 

2. Regarding the notice that was sent to me from XXXX XXXX XXXX in the name of APG FINANCIAL, XXXX on XX/XX/2023 I am requesting any and all documentation and communication relating to this alleged debt and the documents that show how APG got to the alleged deficiency balance. 

I am requesting a response within 21 days. I have included the correspondence exchanged with APG FINANCIAL , INC. and am seeking either the reiteration of the requested information or an explanation for the unavailability of any and all the information requested in the attached letter and this CFPB complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
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: Account status incorrect

Complaint:
I filed a 1099c and this account has been settled please update balance to paid in full

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 2023-11-05
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am restarting loan payments on and income driven repayment plan working in thr public sector. I submitted my application and they wanted different income information so I submitted it several times since XX/XX/XXXX and I have not heard anything back. I just want to make payments again so I can move closer to public service loan forgiveness. The hold time is 4 hours when I try to call them and I have sent 3 secure messages to them with no response. 

If they will not allow me to pay them they should at least allow the last 2 months to count as payments so I can continue to make progress. 

I just want to make payments on the new SAVE plan which I qualify for. Their delay in processing affects me financially. 

Thank you for your assistance. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied in store for an Arhaus credit card and an accompanying interest free promotional period. The in store representative told me that I would be making equal payments for the term of the loan. I was also told that I would be getting written disclosures in the mail from comenity bank ( the holder of this account ). 

Over the next several months, more than one of my statements was received after the due date of the payment. I had to call in to request the removal of late charges since I did not receive the statement in a timely manner. I also set up an on line account so that I could make my payments directly. 

My most recent statement for the payment due XX/XX/XXXX shows an interest charge billed of {$1800.00} and an interest rate of 29.99 %. When I called comenity bank for an explanation, I was told that my promotional period had expired ( I was never notified of this ). I was prepared to make the payment in full and requested an abatement of the interest charge, but the representative ( XXXX XXXX # XXXX ) refused. I explained to her that I never received the legally required disclosures and did not have a clear understanding of the terms of this interest free " loan ''. AND, none of this matched the information that I was given in store. 

I am prepared to pay the balance in full ( before the interest charges ) and request that comentiy bank be investigated for these loan sharking practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: MA
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 Report Act XXXX Account : XXXX from 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 an account without my written instructions. 
This account reported on my credit report is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX-year-old ( almost ) senior. Several years ago a trusted financial advisor lost {$50000.00} of my IRA and I felt forced into getting a reverse mortgage. I got it through XXXX XXXX who subsequently sold it to Champion Mortgage. I am struggling financially because I must keep current on my property taxes and homeowner 's insurance. I asked Champion to reduce the amount of my PMI to be the same as the President 's recent reduction and they refused, citing a bunch of " gobbledy-gook '' as their reason. Can you help get my PMI rate reduced? And, is there an organization where I could ask for a grant to help with my property taxes? Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
In XXXX 2013, in signed over my property to Lender Nationstar Mortgage. I was told that I must vacate property which I did. I continued to get utility bills and contacted lender. They had no response to my concerns of these bills. after a year they informed me that the DIL was still in process. I asked about the bills but they had no answer for a. After I contacted consumer affairs, the lender sent me a letter informing me to destroy the bills coming in. Another year past and they informed me they needed verification that federal liens were lifted. I sent several copies showing liens were lifted. My case went through several agents and each time I felt like I was starting over. XX/XX/XXXX I rceived documents that the property was being foreclosed but all along I was being told the DIL was still being processed. In addition, the utility bills were still coming and now I have a XXXX within the County were house is located.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Ovation Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Needed Tax help. So, I received a mailer stating this company would help me catch up on Property Taxes and I applied for help. My initial tax bill was approximately {$12000.00}. I then experienced hardship with a divorce and child custody and asked Ovation Services ( Tax " MORTGAGE '' Lender ) for a loan modification but was rejected every time I asked ( tried about 12 times ) and now Ovation Services is stating I owe over a {$110000.00} Dollars in PENALTIES AND ADDED FEES.

Ovation Services has had a forced insurance policy on my home but when the last storm came through and I filed a claim for a leaking roof, the insurance company paid the Tax Lender and DID NOT FIX THE LEAKING ROOF AND NOW THERE IS EXCESSIVE WATER DAMAGE AND MOLD. I HAVE A TODDLER AND THIS IS A HEALTH CONCERN BUT WE HAVE NO OTHER PLACE TO GO. I FEEL OVATION SERVICES IS A " PREDATORY LENDER '' AND THEY DECEIVED US.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-22
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, I tried to re-open a XXXX XXXX account because I was not happy with XXXX XXXX XXXX XXXX. When I tried, XXXX XXXX told me that I had a {$890.00} balance/debt to pay before I can re-open a XXXX XXXX account XXXX 
I made the payments in ( 3 ) three separate transactions because I did not have the full {$890.00} available in my bank account. 
After the transaction, the {$890.00} was successfully paid AND I was able to re-open my XXXX XXXX account, which is still my current cell phone service provider. 
XXXX still sold the account totaling exactly what I already paid, {$890.00} to Jefferson Capital Systems LLC and it showed on my credit report in Collections, which destroyed my credit. 
I have proof, ( 3 ) separate emails from XXXX XXXX emailing me of the successful payments totaling {$890.00} on XX/XX/2019. 
I have also contacted XXXX XXXX numerous times to get some assistance in removing the collections entirely because it is FALSE. Every time I called, the representative would " make note '' and have their supervisor or a representative from a different department call me the following business day. I NEVER received a phone call in response to my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: GA
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:
My information was apart of the XXXX  databreach and i have requested for it to be removed and nothing hads been done about 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 2017-02-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Inability to resolve online account access issue. 
I have an online account with nationstar. My login ( username and password works ) but the system provides an error message -- -- HMM ... 
Keyp Your account ca n't be accessed through the Nationstar website at this time. 
Please give us a call at XXXX to discuss your account status. We 'll be glad to help. 

Importantly this message is different than the bad password error message. 

Representatives have worked to reset my password a number of times even so ( they only have a certain script I 've learned from calling in repeatedly ). Even after a password reset the system does n't work. Ironically, when I provide the reps my password they too can not login ( login is OK, it does n't give username or password incorrect message, but gets a bit further and provides the the above error message after logging in ). 

I 've worked this issue more aggressively since XXXX without success ( at least XXXX calls now ). I 've asked that my account be deleted so I can re-create it - so far without success. 

Despite the inability of nationstar to provide online access, in telephone and written messaging I 'm constantly encouraged to use the online system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Continental Finance Company, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.

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 2015-08-19
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar of Texas took over XXXX mortgage after XXXX. Initially Nationstar phone rep granted opt out for Escrow, then they later renigged. Because of XXXX affiliates XXXX and XXXX Escrow violations payment is being sent via US Postal money orders dividing principal/interest, ins /tax and their declared XXXX th overage. They have invented a Forebearance Suspence account holding Escrow and overages and charging late fees because it is n't a lumped cumulative payment, also declared default during transition. Same strategy as XXXX and XXXX, blackmail credit rating with highly questionable balance manipulation,,, ,result will be a Postal Fraud claim ultimately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-10
Company: EQUIFAX, INC.
State: TX
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was used fraudulently with chime and chime denied my claim. ive been fighting with XXXX to get my money back since. A order of the amount of {$180.00}. It is chime fault for letting scammers into my account. My dispute was denied with chime and i have yet to get my funds back. They denied my dispute and when i called to complain an agent claimed they opened my dispute back but its been months and ive heard nothing back.

Company response to consumer: Closed with explanation