BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Equifax credit solutions is holding a fraudulent credit card on my credit report. This happened over 8 years ago and aren't complying with FAIR CREDIT REPORTING AGENCIES LAWS AND SPECIAL SECTIONS.

My USAA CREDIT CARD WAS SENT TO " WHO KNOWS '' complete fraudulent person and I saw that I was robbed XXXX $ in 3 weeks. They have payments for fraudulent card on still good card and is messing my credit so much that it is putting my life in XXXX. So one card is fraud and second usaa card dates were put on wrong card. So fraudulent card should by year 's be off my report and the late payments should be off other card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: MOHELA
State: IN
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:
This is secondary complaint to closed ( without resolution ) case XXXX. Although Mohela admitted they should not be accruing interest on my federally-held direct student loan during the forbearance, and even removed interest accrued before XX/XX/23, they are AGAIN accruing interest on my loans, so far {$8.00} since XX/XX/23. The incompetence and at this point outright fraud being displayed is enraging. How many other people forced to deal with Mohela as a servicer are experiencing this same issue unknowingly?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX 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 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Information on my credit report is showing up inaccurate. This is not fair to me because i can not obtain credit due to the fact that the bureaus are all reporting different dates on these accounts.

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 2017-04-11
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are selling my deceased mother 's home and are trying to pay off the balance. We have asked for final amounts. Some of the fees that are being included were hidden in balance amount without being disclosed ( {$750.00} appraisal fee ) and others are very vague/unnecessary ( Title report fees of {$320.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: N26 Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 N26 BANK FROZE MY ACCOUNT AFTER WINNING XXXX $ IN DISPUTES THAT WERE PERMANENTLY CREDITED TO MY ACCOUNT. THEY PUT MY ACCOUNT UNDER REVIEW & WILL NOT GIVE ME ANY UPDATE AS TO WHEN XXXX HAVE ACCESS TO MY MONEY ALL THEY SAY IS THERE IS NO TIMEFRAME & THEY ARE INTENTIONALLY TRYING TO KEEP MY MONEY FROM ME & IVE BEEN A ACCOUNT HOLDER FOR OVER 3 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the consumer Only XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions 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:
I request that you initiate an investigation into XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX  Date inquiry XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX Date inquiry XXXX these inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above.

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 2017-05-01
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in reference to an already existing complaint ... #   XXXX  .  NationsStar  Mortgage has been penalized for failing to properly report certain data. In contrast this mortgage company has been noted for several years with the same issue and has spilled into consumers that hold a mortgage with them. We have exhausted all efforts to  get caught up on mortgage payments including sending Nations Star documents supporting reasons for delayed payments. We have completed 5 years of bankruptcy and are now attempting to build our financial lives. Nations Star could not respond to our complaints in a timely manner including the contact person, who seems to try and quickly make calls hang up and go to the next one. The modification Nations Star offered was nothing but an attempt to start to pay on time by raising our mortgage payment. This IS NOT a solution for us, but it works out for the Nations Star ( please see docu ment attached ). According to NS our payments increased, but our trial payments are {$1200.00}, when inquired that this payment is higher than the payment we were originally making of $  XXXX . Before  XXXX , payments were {$1000.00} and now we are asked to pay more after requesting help. Our homeowners association dues were not addressed and I have had to speak with several different representatives who could not find the right person to address this issue. The nightmare of attempting to communicate with  Nations Star continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
on XXXX I complained to transunion that my credit report was showing a 90 days late payment, when I made the payment On-Time, after going through their investigation process, they determined that the 90 Days late payment was correct, even though my documention showed that I made a payment before the due date.

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 2019-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Thursday XX/XX/2019 I attempted to contact 'Equifax XXXX to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'Equifax XXXX employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'XXXX XXXX, I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'XXXX ', not surprised, could not log in. 
*I locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies Equifax, XXXX, XXXX have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3  agencies unreachable through online log in at the same time??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a BMW lease payment where I make a XXXX payment. I recently have opened up a new business and have gone through financial hardship and have been late on the XXXX and XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in  XXXX  Of   XXXX   I missed the first mortgage payment in about 2 years due to a financial hardship. I missed  XXXX ,  XXXX   XXXX    XXXX   making a payment in  XXXX    XXXX  .     I applied for a Modification and tried to work with them ( Nationstar Mortgage ) receiving no answer back until about  XXXX    XXXX   when I was served with a foreclosure order ( I was never actually served Live ). I hired an attorney (  XXXX   XXXX   ),  who has tried to get me  XXXX  modification and other plans ( though he dropped the ball on certain matters  ).      Basically they said, incorrectly that my loan could not modify because they ca n't lower my payment. I have the ability to continue payments, however I am being constantly denied based on an alleged   XXXX   XXXX   requirement that they must lower my payment Because I am actually making quite a bit more in my new job ( which they are aware of ) I am able to pay even more if necessary, and Nationstar ( at this point ) will not even request a waiver of any such " requirement/guideline ''.     If you can Help me, let me know.  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXXXX, 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 2022-02-15
Company: EQUIFAX, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, 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 asked previously for some information to be removed as it was misinformation and on my credit report and not all of it was removed. 
XXXX has not done anything though i've provided all the information that was asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I leased a new car through XXXX XXXX XXXX XXXX XXXX and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX having an issue opening my online account access

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 2023-02-16
Company: Silverman Theologou, LLP
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In an attempt to collect a debt XXXX XXXX was contacted by XXXX XXXX to send communications to " XXXX XXXX '' for account No. XXXX. 
The account was tied to XXXX XXXX with XXXX ending in XXXX. 
XXXX XXXX has failed to provide any background documents relating alleged debt and any background documents giving her ( or XXXX XXXX ) the authority to attempt to collect an alleged debt for any entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hi PRA COLLECTION/ XXXX/XXXX  ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation