BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX  XXXX  XX/XX/XXXX   XXXX XXXX XXXX XX/XX/

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 2017-02-08
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have not been able to clear my credit report dispute with NationStar Mortgage. My loan was paid in full XX/XX/XXXX. They have not updated XXXX since XX/XX/XXXX. I waited till XX/XX/XXXX to first call and was told this will be completed within XXXX business days. I called back XXXX other times and they are indifferent. This negatively impacts my ability to buy a new car and my prospective employer will check my credit before they give me a company credit card for travel expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent credit bureaus letters since the beginning of XXXX. To this date, I have sent FOUR letters to EACH, which I let them know what the errors are. All the bureuas have done is change numbers in the accounts which are STILL wrong ( date of last activity, amounts, balances, last reported, date opened, some show open status but are collections etc. ) I still see everything on my report so I am reaching out to you, in hopes of resolving the issue and getting these accounts DELETED from my reports. I have attached my report so you can see exactly. 

I sent letters on XXXX XXXX XXXX XXXX ACCOUNTS WITH ERRORS THAT SHOULD BE DELETED. 

XXXX XXXX XXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Sunset Management, Inc
State: SC
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:
Sunset Finance sent a loan offer via live check through the mail for a {$69000.00} loan around XX/XX/2016. According to my bank account records, that loan was accepted and check deposited on XXXX. The terms were most likely for 12 months at a ridiculous APR based on the rule of XXXX installment loan repayment model. My bank documents and check register show I paid {$100.00} on XXXX, {$100.00} on XXXX, and to pay off the loan in full early paid {$590.00} on XXXX. Instead of applying the last payment to pay account in full, Sunset Finance used that payment to apply monthly payments for several months fo which I received no statements of any kind. And after the funds I paid were used to their benefit, they began to call and even come by my home requesting payment. I went to the business and spoke with the supervisor at the time and even called the headquarters in my area to dispute their request for more payments. I had to threaten to take the issue to a higher financial or business authority. After all was said and done, I DID NOT PAY ADDITIONAL FUNDS AND MY ACCOUNT WAS MARKED PAID IN FULL. I just found out recently that Sunset Finance reported my account as a delinquency of 60 plus days to XXXX. I disputed the information with XXXX  and their " investigation '' claimed the information was accurate. I vehemently deny any reportable delinquency for this aged account and would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681b ( a ) ( 2 ) : 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 ; 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 ) Section states : A person shall not furnish any information relating to a 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 2017-02-07
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Servicer working on short sale is using fraudulent evaluations. 
When dispute is forwarded with clear and convincing support for lower values, they fail to cooperate. 
This property is facing foreclosure and they will wind up taking the property back at a foreclosure sale. 
They have not communicated with us and have failed to cooperate in an honest and sincere way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Since XXXX of 2021 I have submitted numerous Letters to Equifax, XXXX  and XXXX  in regards to a Bankruptcy on my consumer report, All letters have been sent certified mail with tracking yet after the 60 day period i have never received any response or update towards my consumer report. I have sent 3 letters asking for a investigation with proper methods of verification and have received nothing. I however did file a motion prior to filing my bankruptcy to seal all documents which i filed with the court and a debtors full social is filed with the the original petition, therefore the only information that could be released to third parties is full name, last four of social and address under the Federal rules of Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a request to remove a credit error that is also showing duplicate. This is affecting my credit and I am not able to purchase my home. I have given them over 60 days and 2 requests now with no resolution

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 2022-11-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
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:
XXXX derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as XXXX days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by BMO Harris. I spoke with multiple representatives at this time and each XXXX of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by XXXX different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own credit score by over XXXX and XXXX points. 

I am requesting that these remarks be removed as soon as possible. I was informed by BMO Harris that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.

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 2022-06-15
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 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 2023-04-27
Company: EQUIFAX, INC.
State: WA
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 have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681b ( a ) ( 2 ) : 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 ; 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 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This investigation has taken longer than 30 days and according to 15 U.S. Code 1681i, inaccurate, incomplete, and unverifiable information should be deleted and removed from the consumer file immediately. 

I am also including my prior CFPB claim.

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 2022-11-05
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XX/XX/XXXX of XXXX I went to navy federal to see how much I owed them they told me I owed {$340.00} or $ XXXX.never did the teller say. Owed almost {$3000.00} or anything about money owed back for tax child credit. So when my son social security check was deposited into my account for {$2900.00} they took it and closed the checking account down.My son father died in XXXX so it was his back pay for XXXX and XXXX Im just beneficiarie.They never let me set up a payment plan or anything basically told me that there was nothing I could do about it.Social Security requested the money back and they closed my account.Im in distress and my son our living situation is behind because of the negligence of my bank whom I choose to trust with my finances.I really need you guys help. Social Security told me you would be my best option.sincerely XXXX and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Three months ago I requested that NationStar mortgage stop deducting the optional insurance from my mortgage. I even provided the necessary cancellation number they requested from the home warranty company, they still continue to deduct the insurance. it is now XX/XX/XXXX, they are still deducting the optional insurance from my mortgage. I have never dealt with a worse mortgage company. I ca n't get them to stop. I have called them. I do n't know what to do. I 'm on Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Bureau is illegally reporting inaccurate information in violation of the law 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; if the original debt XXXX XXXX account was indeed mine it would be illegal for you to report it unless you received written consent from me the consumer. Which you did not. 

the original debt XXXX  account is listed as charged off {$920.00} on my consumer report meaning said company would have received a tax credit for the balance charged off and sent out a form indicating it would be counted towards my personal income. ie ( debt paid in full ) for this debt to then be sold to XXXX XXXX as a debt unpaid is both fraud and illegal XXXX XXXX lists the debt amount as {$1000.00} again reporting a debt that is not mine with inaccurate amounts is both fraud no consent again from me the consumer is identity theft!

15 U.S. Code 1681c A 4 states- ( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. these are just the first 3-4 violations that have come up not including the invalid debt amount and the unverified information the bureau and collection agency have reported

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 2023-07-07
Company: I.C. System, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Your company is reporting two accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal.

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.

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 2022-11-15
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
All contact listed below was done via phone ( customer service ) XXXX. 
This charge is billed to my account either by fraud or error. 
{$50.00} is now on my account. I state that this charge is not valid and ask how charges can be made on an account that card was shut-off? I get no answer to this, but am I told that Capital one will review this charge. I receive a form letter on XX/XX/XXXX dated XX/XX/XXXX that case XXXX has been reviewed and that insufficient evidence of fraud is present on this change and I am responsible for the {$50.00}. I call once again on XX/XX/XXXX and explain to XXXX ( the person that I am speaking to on this call ) that I have made no purchases with I contacted your company ( Spoke to XXXX ) on XX/XX/XXXX about this account and an XXXX in the amount of {$320.00}. 
I asked that the card be shut-off so no charges could be made on it and after review was complete to have the account closed I was transferred to the disputed department and I spoke to XXXX who started investigation ( case # XXXX ). I was told that someone would call me back to confirm that account was closed and they would review the {$320.00} charge and notice would be emailed or mailed to me. On XX/XX/XXXX I receive another statement with now a zero balance but no information about closing account. I called on XX/XX/XXXX spoke to XXXX and she tells me that account is still open and a charge on this card in XXXX, the last charge was for NY XXXX pass on the last day of the year in XX/XX/XXXX. I was then transferred to XXXX to have this account closed and asked that all material related to this charge sent to me with confirmation that account is closed. 
As of todays date all I have received is current statement. 
I want to see details of shipping and invoice for items related to case ending in XXXX. 
This charge to my account is an error and I want this removed.

Company response to consumer: Closed with explanation