BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting 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:
After review of my credit report, it has come to my attention that there are various hard inquiries I am not familiar with. I never authorized the companies listed on my FTC report to run my credit.

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 2016-07-11
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After my mortgage was sold to Nationstar, I have had nothing but trouble dealing with them. Payments are sent automatically from my bank every two weeks which exceed the minimum due. Nationstar is not applying the payments to my account and is now charging late fees despite having received full payments. 

Nationstar responded to a previous complaint through this department, admitting they are receiving regular, timely payments. Nationstar refuses to comply with the law concerning changing the repayment terms when they purchased my account. 

On top of this, Nationstar calls my cell phone with a robodialer multiple times per day. They have previously settled a class action lawsuit over this practice, but continue it with new customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, 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:
All three reporting agencies are reporting medical information on my Consumer report. This is a HIPPA violation and should be remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-08-11
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was recently notified by my credit card company that my credit score had dropped. When I reviewed my XXXX credit report I saw that I had a new account in collections with I C System and the amount of the debt was {$140.00}. I do not know what this debt is for and I never received any notification from I C System regarding the debt or the collection. I have also disputed this debt with XXXX. I do not who I C System is or how to contact them regarding this alleged 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 2023-12-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It has been several months since my initial contact via mail and through CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

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 -Equifax -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft due to an XXXX credit breech. XXXX   credit services and transunion credit services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2018-08-23
Company: EQUIFAX, INC.
State: MS
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:
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. Equifax is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway. Again they are showing wrong account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. 

Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX  ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX  ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: PR
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:
THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE XX/XX/2018. 

THIS IS MY SECOND DISPUTE USING CFPB AND THAT ACCOUNT XXXX XXXX XXXX XXXX XXXX IS STILL REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT THIS INACURRATE ACCOUNT IS AFFECTING ME FROM GETTING ANOTHER LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-16
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, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 602 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Chase bank helped me open a claim for a wire transfer in the amount of {$200000.00} usd that was NOT authorized by me. I had purchased a new phone at the time of the incident and have reason to believe my information was compromised when switching my XXXX  account. The wire was sent to a similar routing number to that of a bank I used for my personal brokerage account- however the account number was not mine. I checked my account history with the brokerage firm and was never credited for the wire dated XX/XX/XXXX which further proved it was fraudulent. I contacted the bank directly and was advised to get a wire recall through Chase. I attempted to do so and it was denied as the bank had gone XXXXXXXX. I opened a fraud claim through Chase on XX/XX/XXXX. They asked me to fill out a fraud packet which I was assured would be overnighted. They also let me know that within ten days of filling out the fraud packet, I would receive a provisional credit if the claim was not denied. By Friday XX/XX/XXXX, I had not seen the packet. I called in and was asked if the claim was for $ XXXX I said no and gave them the claim number and amount. It took them more than XXXX minutes to find the correct claim and they let me know that they could not look up my claim using the claim number- only the account number. Once they found my claim, I was told that the packet should come within XXXX days. I called back Sunday XX/XX/XXXX to ask again where the packet was. Again, they suggested the claim was for {$9000.00} usd. Once they found my claim I was then told that it can take XXXX business days and they are unable to overnight the packet. I called Monday and was told by another rep that it can take XXXX days. I asked to speak to a supervisor regarding this and he was able to fax the packet to my local branch. I went in at about XXXX pm that same day and filled out the packet. The branch XXXX faxed it to corporate for me. I called XXXX days after filling out the packet and was told the claim was under review. I called again on XX/XX/XXXX after receiving a latter dated XX/XX/XXXX stating that the claim was denied because I had initiated the transfer. I asked them to check their notes- they had asked me if I made a {$180000.00} usd transfer on XXXX XXXX which I had. They had mistakenly marked the XX/XX/XXXX transfer for {$200000.00} as being initiated by me, instead of the {$180000.00}. I offered to provide them the emails between the brokerage account and I, as well as a signed Afidvit and proof from XXXX that my phone had been changed on the dates of the wire. They have been utterly unhelpful and have blatantly used negligence when checking my claim. They have no clear system for looking up claims, poor note taking, and did not even accept the evidence I offered. How can you deny a claim without even discussing with the customer? That money was to buy my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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:
In accordance with the Fair Credit Reporting Act, he following accounts have violated my rights : Account name/ number XXXX , account # XXXX XXXX, account # XXXX XXXX, account # XXXX US DEPT ED, account # XXXX XXXX XXXX  XXXX  , account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX 15 U.S.C. 1681 Section 602 A Section 1 : 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.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected soon : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX my husband had a XXXX which left him with a XXXX. He has been deemed XXXX by the U.S. Social Security XXXX Office. Three days after his XXXX, while he was still in the hospital I contacted the mortgage company to explain the circumstances. As my husband is self employed and we had no savings I knew we would be unable to make our mortgage payment. I have been working with the mortgage company for the past 16 months to keep our home from foreclosure and have worked with several agencies. ( I have documented over XXXX steps I have taken regarding this matter ) On XXXX XXXX, XXXX XXXX XXXX XXXX submitted a a request for forbearance on our behalf. It was denied due to lack of income verification and XXXX said we would now need to work directly with the mortgage company. I submitted the income verification by the XXXX deadline and never heard back from the mortgage company until we received a preforclosure notice dated XXXX/XXXX/XXXX. ( During that time my father-in-law passed away and my husband had emergency carotid XXXX XXXX. ) In speaking with my husband he was able to say " email '' and it turns out he had been getting email statements for the mortgage company the entire time and I was n't aware of it, he had n't thought to tell me because of his XXXX. I immediately took the last statement and paid over {$6000.00} which the mortgage company refused. I then contacted the MN Attorney General 's Office. Under their recommendation we applied for a Home Affordable Modification in XXXX XXXX. After making three monthly trial period payments we were given the terms of the modification in XXXX which included {$9000.00} in past due and interest fees, changed the mortgage from a 20 year to 40 year mortgage, increased our interest rate by .25 %, increased our mortgage payment by {$7.00} per month, and shows no indication of the three " trial period payments '' we made totaling {$2300.00}. I feel very strongly that the terms of this refinancing are unjust and unfair and in no way " helps '' our family. Although we are still able to live in our home we will now owe well more than the market value ( {$90000.00} ). This issue has been negligently and grossly mishandled by the mortgage company, has been discriminatory with regards to my husbands XXXX and has caused us an incredible amount of stress and hardship during a time when I should be concentrating on the health and healing of my husband ( he averages XXXX-XXXX XXXX per week ) and the raising of our XXXX XXXX year old XXXX daughters. I would like to file suit in federal district court to cover actual and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
Account showing incorrect balance. No update since XX/XX/2022. Contact institution as a courtesy to update my credit reports. Was told this is only down every 3 months or so for installment loan. I have significantly paid this loan down from {$10000.00} to just over {$5700.00}. Institution told me to file a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Since my mother passed XX/XX/XXXX, I have been in communication with the bank and their attorney. I was first told I needed to be identified ( registered ) as heir through heirship affidavit by a state agency. The bank attorney agreed and told me to call bank to verify. The bank agreed placed the account in forbearance, when I called back to say I was working to obtain that. The bank said that was not what I needed. They would not communicate with me for approximately 6 -9 months, until they filed to foreclose again. I got the heirship affidavit and that was exactly what was needed to be the confirmed the Successor In Interest. Since then to now, I have had to turn in documents and resubmit documents they have received and I call every other day for them to reach a decision while they are telling me to try to find other resources through the state ( TX ) while they send me emails repeatedly on the same days of a video of out of state I can not apply for and more recently a Texas resource I have called numerous times and been told will not help me due to the bank not making a decision as it is my mother 's debt not my own. XXXX XXXX amount owed was {$9300.00} XXXX XXXX amount owed is {$37000.00}. 
First they rejected my application due to me not being my mother even having the death certificate on file, then they said I didn't require an application due to it being an FHA loan, only to later say since I turned in an application as I was requested they needed a tax form, only sign the middle of the form and check a box, which they rejected the day after I called in to confirm they received it as not having my SSN on it. Last week they said I needed to resend 3 pay stubs. One of which they had as 3 of my last pay stubs submitted. I have been fully transparent with the bank for what my earnings in and have shown more income than my mother earned at purchase. 
The original purchase was less than the full accelerated amount due {$180000.00}

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 2023-02-09
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:
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 XXXXXXXX has violated my rights. Or 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 2023-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wanting to dispute inaccurate Personal Information, Non Mailable Addresses, and Non working telephone numbers on reports not belonging to me. The below information is correct information to be on reports Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief