BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX*has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.

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 2016-12-22
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I SUBMIT MY MODIFICATION PACKAGE TO MY LENDER NATIONSTAR MORTGAGE, THE FILE WENT TO THE UNDERWRITING DEPARTMENT AND THE FILE WAS DENIED PER MY ASSIGNED REPRESENTATIVE. I ASKED HER WHY AND WAS INFORMED IT WAS DUE TO MY INCOME, SO I ASKED WHAT NUMBERS WERE USED AND SHE PROCEEDED TO STATE WHAT WAS PROVIDED ON THE APPLICATION WAS THE NUMBER USED. SINCE THAT IS A VERY VAGUE ANSWER AND THE FILE GOES TO UNDERWRITING FOR EXACT INCOME CALCULATIONS THAT ANSWER DID N'T MAKE SENSE THAT THEY WOULD USE THE NUMBER I GIVE AND THEN GO TO UNDERWRITING FOR CALCULATIONS SO I ASKED AGAIN AND AS SHE SIGHED FOR ME ASKING HER TO DO HER JOB SHE STATED THAT THE INCOME USED WAS {$9800.00} GROSS AND {$1900.00} NET WHICH BROUGHT MY RATIO TO 145 %. I ASKED MY ASSIGNED REPRESENTATIVE HOW DOES THAT MAKES ANY SENSE THAT THEY CALCULATE MY INCOME AT ALMOST 10K AND NET UNDER 2K AND IF SHE IS MY DEDICATED REPRESENTATIVE IS IT NOT HER JOB TO HELP WITH THE FILE AND SHE STATED HER JOB IS TO READ THE NOTES, NOT TO CALCULATE INCOME OR ANYTHING TOO INVOLVED. 
JUST AMAZING!! 
MY REPRESENTATIVE STATED THAT SHE WOULD EMAIL THE UNDERWRITING DEPARTMENT AND NO PROMISES. AS YOU CAN SEE SHE WAS VERY HELPFUL. I CALLED BACK TO THE LENDER AND THEY STATED THAT THE FILE WAS STILL DECLINED HOWEVER THEY DID HAVE A NEW INCOME THAT WAS USED, {$9800.00} GROSS AND {$3900.00}, STILL WRONG BUT AT LEAST THE UNDERWRITING DEPARTMENT GAVE IT A GOOD TRY. 

I FIGURED I WILL SHOW HOW TO CALCULATE THE INCOME SO WE CAN ALL BE ON THE SAME PAGE. 
PAY STUB USED XX/XX/2016 {$97000.00} YTD GROSS XXXX PAY PERIODS {$97000.00} DIVIDED BY XXXX = {$4400.00} {$4400.00} MULTIPLIED BY XXXX PAY PERIODS = {$110000.00} ( YEARLY AVERAGE ) {$110000.00} DIVIDED BY XXXX MONTHS = {$9600.00} BACKEND RATIO IS AT 43.11 % {$43000.00} YTD NET XXXX PAY PERIODS {$43000.00} DIVIDED BY XXXX = {$1900.00} {$1900.00} MULTIPLIED BY XXXX PAY PERIODS = {$51000.00} ( YEARLY AVERAGE ) {$51000.00} DIVIDED BY XXXX MONTHS = {$4200.00} I JUST NEED MY INFORMATION TO BE LOOKED AT CORRECTLY SO I CAN SAVE MY HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went into forbearance XX/XX/XXXX. I was contacted by Mr. Copper in XXXX on the XXXX, the day my mom died from XXXX. I asked to continue forbearance. On XX/XX/XXXX, I applied for a mortgage modification. Since then Ive called multiple times and checked online almost daily. They continue to tell me the modification is under review. Yet they call me regularly to talk to me about my mortgage. Im confused and frustrated. Ive sent them my wages as they requested initially. No solution. I filed bankruptcy which was XXXX XX/XX/XXXX. I want to to try and keep my house and feel stressed that Im not getting any answers. Should I be looking for a new place to stay? Are they going to work with me? I have NO idea. Im not getting any answers. Its all very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MN
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2023-06-08
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: Information belongs to someone else

Complaint:
This is my third 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 items 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. 

Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}

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 non-monetary relief
Consumer complaint received 2016-12-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I just found out my home is in foreclosure. My home was in foreclosure 10 years ago, but the foreclosure was dismissed for lack of evidence by the plaintiff. I initiated a short sale a few days ago and was just informed by my Realtor that my home is in foreclose and has a sale date XX/XX/XXXX. I have n't never been served with papers notifying me that there was a case pending. NationStar has been in contact with me and is aware of, my mailing address. I also have a buyer interested and they will not entertain the short sale unless I agree to auction the property off. I have a sick child at home and do not want XXXX people walking through my home especially since we had the home on the market for 5 days and have a contract and a back up. I have spoken with Nation Star a few times the last couple months and have not been advised one time that there was a foreclosure pending. I suffer from XXXX and this absolutely devastated me. Please help me!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This VISA card goes back to beyond 2011, when it was Originally a XXXX  Visa Card, and was " Converted '' to BARCLAY. Back before that, I haven't records. 
-It was used as the XXXX XXXX XXXX to pay my XXXX XXXX after XXXX was gone. That was substantail because I was in Highest Senior Bracket. 
Along with others. 
" They put me on varying " Hardship Plans '' -- Each that would be fine for a number of months -- but XXXX. 
At XXXX they placed me on a different Hardship Plan. -- Which now I understand made the delayed portion now LATE. ( I think XXXX It accumulated Late Fees and a much Higher %. 

Since then, monthly I have been calling to find solutions -- looking for an Affordable Monthly Payment -- while making a Payment of Approximation. 
I WANT to pay this Bill. I ALWAYS pay Bills. But I can not do Hundreds of Dollars ... 
Yet they can only " Offer '' me Huge Pay Off amounts ... While I continue to make estimated payments. 
I am a XXXX on XXXX Soc. Sec. They want Payments well beyond my ability, all while adding Fees, and very High %. I call monthly for their " Help '' I can not pay " Settlement '' amounts. I want to do it Right. 
Please make them listen to me. Offer Reasonable Monthly, with Reasonable % and no Fees I have kept some records about these phone calls ( MONTHLY!! ) -- and the estimated minimum MONTHLY payment.

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 2023-06-27
Company: ALLY FINANCIAL INC.
State: TX
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:
My son used my credit card to make fraudulent cash advances. He used my phone to verify and authenticate the cash advances with out my permission and he is not an authorized user on my card. The date of the incident was XXXX and there were 2 cash advances each of {$300.00} and {$300.00} totaling {$600.00}. I explained the situation to the bank and was given credit for the amount while they conducted their investigation. I had the credit charges reversed and the Credit card issuer claimed it was me that made the cash advances even though during the 2 years I have had the card I have never made a single cash advance. I did not report my son to the police because I don't want him going to jail over this act, I hope the Cfpb can help me resolve 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 2020-07-07
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I have a subscription to the app called XXXX, an investing app, and I can't withdraw my money from it because XXXX uses XXXX, and XXXX  doesn't work with my bank, PNC Bank. PNC Bank needs to authorize XXXX  to handle transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: LA
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 have inaccurate information on my credit report that does not belong to me. I want the accounts removed from my credit report. 



Equifax credit report XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX credit report XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX  XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX credit report XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$610.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$720.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bank of America has discriminated against me through multiple applications. I received no benefit from any of the credit application I submitted to Bank of America. I am demanding that Bank of American give me my application due to me not receiving the credit for my personal, family and household use. Bank of America has a duty to keep my application on file for no less than one year. Bank of American has discouraged me from ever applying for credit due to Bank of American not making credit accessible to me and my family. This has caused us severe harm and injuries due to Bank of America refusing to offer any type of accommodations or a legal reason as to why they will not offer me products or services. Bank of America is the only bank close enough for me and my family use and yet I am unable to use their services or products due to Bank of America discriminating against me. As a single mother of three, Bank of America furnishing inquiries on my consumer report but not approving me for the requested product has caused XXXX XXXX and unrecoverable Finacial harm and distress. Bank of America pattern of scamming and harming consumer is duly noted by the CFPB and I am still being victimized by Bank of America. 
I have exhausted all efforts of trying to resolve this matter privately with Bank of America and will be forced to pursue other legal venues if Bank of America continues its deceptive, unfair, and prohibited actions against me ( the consumer )

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 2022-08-09
Company: Experian Information Solutions Inc.
State: NE
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 XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So sadly my Father passed away. 

He had 3 account with SPS, all 3 are mortgages, they got wind of it and decided to stop his pandemic assistance on the loans. 

NOW they are making it extremely hard to get me added to the account, we have sent in the Death certificate as well as the will showing me as the successor, they will NOT add me to the account so I can reinstate the pandemic assistance. 

I feel like they WANT us to fall into default here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to formally notify Fidelity Information Corp of my intent to take legal action against your company for the inaccurate reporting on my credit file, specifically the collection account with account number [ XXXX ] amounting to {$370.00}. I hold no knowledge or association with this account, and it is a clear result of identity theft. 

I was affected by a data breach in XXXX  with XXXX, during which my personal information was compromised. This incident has directly impacted my credit file, and I hold Fidelity Information Corp responsible for failing to adequately protect my personal information and allowing false and damaging information to be reported. 

I hereby request the following actions : 1. Immediate removal of the erroneous collection account from my credit report.

2. A thorough investigation into the source of this false information and its subsequent reporting.

3. Provision of all relevant documents, contracts, or evidence linking me to the reported account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}.

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 non-monetary relief
Consumer complaint received 2018-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 inquiries on my credit report on XXXX  that does not belong to me from XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE and XXXX XXXX XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.

Company response to consumer: Closed with explanation