BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
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:
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 's XXXX  : # 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 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 2022-06-06
Company: EQUIFAX, INC.
State: MD
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:
I received a message from a credit monitoring company that my data was breached, including my name, social security number and driver 's license, and noticed recently that someone has either opened or tried to open accounts at two or three institutions including, but not limited to XXXX XXXX, XXXX  XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are closing on the sale of our home and, as a part of that, the title company requested the payoff from our mortgage lender. They are trying to charge is a {$1600.00} prepayment penalty because we closed on the refinanced loan less than 36 months ago. However, their monthly statement listed the prepayment penalty as " None '' and they never verbally disclosed the prepayment penalty with us at any time during the loan process. It is also not included in the language of the Note or Deed of Trust ( although apparently we did sign a disclosure that neither of us remember being disclosed ). We believe the failure to list the penalty on the periodic statements is in violation of the CFPB rules on this topic.

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 2022-11-28
Company: I.C. System, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022, I mailed a letter to the company above because I never received a dunning notice and I have no idea what this debt is or how it originated. 

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 : I C SYSTEM 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 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 or 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 2023-12-26
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.

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 2022-08-22
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 I noticed I was negative in my bank while I was out shopping. When I checked transactions I noticed XXXX purchases XXXX on XX/XX/2022 and the XXXX  one on XX/XX/2022 at a gas station located XXXX miles from my location. During the times of these purchases I was at home. Therefore, I have no way to prove it was not I that made a {$140.00} gas purchase on XX/XX/XXXX at XXXX XXXX standard time. I also didnt make another {$150.00} purchase at that same gas station at XXXX XXXX XXXX time the following day on XX/XX/2022. Chase Bank has rejected my claim because they say the debit card used shows it was used with the chip which can not be duplicated and the pin code was also used. I was at home these XXXX days during these time frames. The only witness I have is my husband and the text messages sent between XXXX regarding lunch and checking the mail which occurred an hour or more before the transactions. I even tried to get evidence of my location for those dates and my XXXX states they do not have the ability to provide pings of my specific location for those days. Only current locations. How can I get this handled? I have had a scam done a few months ago for {$3000.00}. It was reported to the federal trade commission. I have also had identity theft as well a few years ago. Where they used my personal information such as social security number, to open multiple accounts. This was also reported to police and all XXXX  credit bureaus. I am the only one working in our household. We are currently receiving XXXX  for XXXX  through state of XXXX because my pay check is XXXX  after taxes and medical insurance costs. This has effected me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: TX
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 applied for an an apartment and received a denial and adverse action letter for a rental collection that was placed on my credit report without my knowledge or consent from a collection agency named XXXX in the amount of $ XXXX.It is illegal to place debt on someones credit file that is invalid. I have never lived at this property nor have an address attached to it. I filed a police report for identity theft and have proof of it attached. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens, ( mo ) ( 281 SW 715, 719 ), I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please have this removed from my credit report.

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 2023-09-17
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did a balance transfer with Discover card with 4.99 % interest that was for 18 months. After about 12 months I paid off about {$3000.00} of my balance they sent me an offer for 0 % balance transfer with a fee, which I used. Now they are taking my monthly minimum payment and applying it to the 0 % balance instead of the 4.99 % one. I called and spoke to a supervisor. He was condescending. He said that Discover Card 's policy is the minimum payment pays down the portion of the balance that has the lowest interest rate first. If I want to pay more than the minimum payment it goes to the higher interest rate. He said this was in line with FDIC regulation. This seems like a scam to the consumer. The policy should be that the minimum payment pays off the higher interest rate balance first! The government should fix this! 

I have been sooooo loyal to Discover Card. It was the first credit card I had. I have had my Discover card for almost 40 years! I cancelled my card. I am done with Discover Card. This company is running scams. 
I XXXX DISCOVER CARD!!! 
Don't use them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have asked several times for the fraud alert to be removed from my XXXX, Transunion, and XXXX credit reports. These companies placed fraud alerts and personal statementsnon my credit reports with out my permission. I NEVER ASKED THESE COMPANIES TO PLACE FRAUD ALERTS ON My CREDIT REPORTS. Please remove ALL FRAUD ALERTS from XXXX, XXXX and TRANSUNION. I also need to make sure my address is current. The only address and contact infomration that should be on my credit report are below. I have 2 phone numbers. REMOVE ALL PERSONAL STATEMENTS FROM MY XXXX, XXXX and TRANSUNION reports. THE ONLY ADDRESS AND PHONE NUMBERS I HAVE ARE BELOW. I have asked so many times over and over and over for this to be updated. Its getting really fustrating. 

XXXX XXXX XXXXXXXX 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 2022-11-26
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from my mortgage company, Vanderbilt Mortgage. The letter was dated XX/XX/XXXX. The purpose of the letter was to inform me that the servicing responsibilities for the loan were being transferred to XXXX XXXX XXXX and that this is effective as of the XX/XX/XXXX payment. I have had loans sold before but never with this short of notice. The law appears to require them to give me at least 15 days notice. The date of their letter was 15 days before the payment date, but that date doesnt count. The clock should start when I am notified, which was when I received their letter. Please hold them accountable for short cycling everyone to whom they did this. With a XXXX XX/XX/XXXX letter, the effective date should have been XXXX XX/XX/XXXX. I have auto draft set up with Vanderbilt, so in order to get back to that, I will have to make at least one separate payment to the new outfit. And as of XX/XX/XXXX, XXXX XXXX XXXX hadnt received my loan information from Vanderbilt, so I cant even make that payment yet. This is completely messed up. I recognize that the new lender has to give me a 60 day grace period for late payments, but if Vanderbilt had done their job right, this could have been seamless and there would be no need to rely on any waivers.

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 2022-04-24
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received notices about a strange address that kept being added to my credit report from a California property I have never lived at. I found out that my home address was changed to this California address and that it was done by CBE collections. After disputing and having the address deleted, CBE has attempted to add a false account to my credit file. XXXX deleted the collection within XXXX but XXXX has said it was verified. My dispute with XXXX is currently being processed. 

This collection added to my credit report is a violation of the FDCPA. The company CBE has never sent any bills or collections notices to me. I am unable to demand validation of this alleged debt because they have never contacted me or sent any documents to my home. I m allowed a XXXX period in which to dispute the validity of this debt. CBE did not notify me but instead changed my home address on my credit files and then added this collection, causing a XXXX point XXXX loss. It shows an account with XXXX. I dont have any accounts with XXXX and never authorized anyone to use my personal information to open a charter account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Currently, Mr. Cooper has our home up for sale on XX/XX/2022, even after we sent them a complete/full modification package. They did not send me any proposal mortgage modification packages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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: Credit inquiries on your report that you don't recognize

Complaint:
i was reviewing my credit report and notice unauthorized inquiries on my credit report

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 2022-09-19
Company: Point Digital Finance, Inc.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2019 as I was looking for a way to tap my home equity for needed house improvements I did not qualify for typical home equity products as my debt to income ratio was too high to qualify due to having student loans, despite an excellent credit score and stable income and a salary. I found Point Digital Finance on a social media site and inquired about tapping my home equity. I was told that I could have an option and get a loan as long as I shared a " capped " amount of equity for the duration of the loan that was gained on my property. This seemed like a reasonable deal on the face of it and I agreed and borrowed XXXX of my equity understanding that I would share 22.7 % of the appreciation the house gained when the loan was to be paid back. We went through closing and I signed papers and I was given the XXXX. Now, I want to pay back the XXXX and expected to pay the 22.7 % shared appreciation for the term of the loan. Upon requesting a payoff price from Point Digital Finance I was told that the " cap '' was not a " cap '' but compound interest and that they " risk-adjusted '' my property for 18 % giving my property an 18 % decrease in value at the time the loan was taken out. Furthermore, they valued my property according to their own appraisal which is XXXX more than what XXXX or other online property valuation tools say. So adding the undervalued ( 18 % risk-adjusted amount to the overvalued appraisal amount it seems that my loan of XXXX, XXXX is now at the very least up to XXXX approximately resulting in way over 100 % interest charged on the original loan amount. The language of a " cap '' on the amount for me to be paid was false advertising as there seems to be no cap. Furthermore, there is a lien on the title which I was told there would not be as it is a share of equity and I still own my home. This company is absolutely predatory and taking advantage of legal loopholes in their fine print to dupe innocent homeowners into a loan shark scenario. This should be illegal and Point Digital Finance is guilty of false advertising, predatory lending, and violating consumer protection laws.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX XXXX I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. 
Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regards to this matter. 
Your cooperation is greatly appreciated.

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 2022-04-24
Company: Spring Oaks Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022, the regulator for SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX, received a cease and desist letter from me. Stating to cease all communication directly and indirectly through any medium, including through my consumer report via the credit reporting agencies. SPRING OAKS CAPITAL LLC, still willfully choose to violate the FDCPA by still communicating and the GRAMM- LEACH BILEY ACT privacy rule by not ceasing the advertising of my non public information to the public through the credit reporting agencies to coerce payment from me on an alleged debt. As of XX/XX/2022, SPRING OAKS CAPITAL, failed to cease communication and continue to communicate with me through my consumer reports with the Credit reporting agencies. They are knowingly still violating 15 USC 1692 ( d ) ( 4 ) by still advertising my non public information and refusing to delete the account off my consumer report. They were given 15 days to pay invoice for damages, cease and remove the non public personal information and failed to do so. I am now a victim of there non compliance and aggravated identity theft. Also, they knowingly possess and are using my means of identification with the intent to EXTORT me of {$3400.00}.

Company response to consumer: Closed with explanation