BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balanced Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2022-10-11
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:
Asked company to investigate account to make sure everything is 100 % accurate. 
Company is still reporting inaccuracies on my credit report causing me harm. I wont account deleted immediately. 

Account : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX 1, On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) 2. On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported XXXX ( paid ) 3. On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported XXXX ( paid ) 4. On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported XXXX ( paid ) 5. Transunion also reported that last payment made was on XX/XX/XXXX, But how is that possible when XXXX reports payments for XXXX, XXXX, and XXXX of XXXX Enclosed is a copy of this account with inaccuracies, who is correct, Transunion or XXXX? Delete this account it is not 100 % accurate according to The Fair Credit Reporting Act.

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: 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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
XXXX XXXX XXXX requested my credit score through factual data. They received an equifax score of XXXX. When I log into my equifax account I have a credit score of XXXX. Called Equifax they said that I would have to talk to XXXX XXXX. XXXX XXXX said they use the XXXX XXXX model to get score. They could not tell me why the credit score was so different. They said I needed to call myfico. Called them they said that they are credit subscription service. Because XXXX XXXX reported a XXXX credit score I am unable to get the home loan that would be afforded to me for having a XXXX credit score. There is no one that will take responsibility or explain why this big of a difference could occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased concert tickets on XX/XX/XXXX from XXXX for {$300.00} and the concert was postponed due to the artist getting COVID. The concert was scheduled for XXXX XXXX originally and XXXX told us it would be rescheduled. Its now XXXX of XXXX and there has been no new concert scheduled. XXXX states they have no idea of the rescheduling date, and will not give a refund. The bank will not process a refund saying that XXXX will not allow it, however the people whom I was going to the concert with already got their money back. 

The bottom line when it comes to XXXX is that I did not receive the service I requested by the date it was promised and I still have not received the agreed upon service which was to see the OJays. As far as Chase is concerned, this is a violation of the Fair Credit Reporting Act as Chase gives 120 days from date of purchase to dispute a good or service NOT received as a chargeback. 

In general its a bunch of companies taking advantage of the people they are supposed to be serving and that keep them in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive been a victim of identity theft

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 2022-10-11
Company: Experian Information Solutions 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:
T

his is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}.

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 2017-03-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, My name is XXXX and I currently reside at XXXX XXXX, FL XXXX. I recently purchased my home and my original lender was XXXX and loan number with that creditor was XXXX. A little over six months into the loan, the lender has sold my account to another creditor which is Nationstar Mortgage. My new account with Nationstar mortgage is XXXX. My previouse lender XXXX did a cost analysis on my account of XX/XX/2017 which I did not receive any notification for. Based on their cost analysis my previous mortgage payment of {$1000.00} went up to {$1300.00} due to my homeowners insurance going up frm {$1500.00} to about {$3000.00}. I reached out to my insurance company that advised me that my homewoner 's insurance remains at {$1500.00} for the year. I then reached out to my old lender who is XXXX that could not explain where they got the higher amount from. I had my insurance company faxed over a copy of insurance policy to XXXX insurance, who advised that they woud review my account and make the adjustments. Since then my account has been sold to Nationstar Mortgage, who advised me that they are not be able to assist since they are not able to touch the account, even though they are servicing my loan as of XX/XX/2017. The new creditor which is Nationstar Mortgage is stating that I need to pay the higher amount. I need my mortgage payment adjusted and a new analysis done with my correct homeowner 's insurance information. I also need to have XXXX investigated since they where not able to explain why they increase my payment amount and also where did they get the information for my insurance increase.Most importantly I need to have Nationstar Mortgage review my account for my XX/XX/2017 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2400.00}

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 2017-03-22
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have attempted to contact Nationstar 50-75 time both in writing and by telephone and they have not been able to clearly provide me explanations on payment inconsistencies and manual adjustments they have made. This complaint is in regards to a door tag that was left on my front door yesterday that said please contact your mortgage provider. They have never been prepared or willing to discuss my account with proper detail or provide info to me I have requested. They should have all info readily available at all times after my requests.

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: PA
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 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 2017-03-22
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Me and my beau had a terrible experience with Nationstar in the approximate timeframe of XXXX until we were forced to sell our home sooner than we wanted to as they kept " losing '' our paperwork to submit for a refi on our loan with them ... We were so busy working and not in a position to hire a lawyer back then however I do wish we had contacted our State and US Attorney Generals to investigate the aggressive and unusual tactics/experience we had with Nationstar back in XXXX. This was after the mortgage crisis and it appears that this company was looking to keep " customers '' at a higher mortgage interest rate and making it nearly impossible to refi at a lower and more fair mortgage payment rate. Unfortunately we did have to sell our home sooner than we had wanted and with the market changes that happened shortly after we sold out, a major increase of real estate, we could not hold out for that extra year or two to delay selling where we could make the market value/sale on our home as we were looking to do. Not to mention, it felt like we were dealing with a company, Nationstar, that was acting in what could have been termed criminal ways ( based on complaints and lawsuits that have come out in more recent years since we sold our home in XXXX, Or, at the start of XXXX. Me and my beau also noticed that mortgage companies were buying and selling loans aggressively -- to the point that it seemed obvious something was going on near and after XXXX. Nationstar seemed to be partaking in this kind of buying and selling of loans as well. Very concerning and questionable tactics of business and ways of " servicing '' customers. Now that we have read recent articles and more complaints about Nationstar in the past few years, it seems beyond clear that we were defrauded and disallowed to apply and receive a modified mortgage loan that we were eligible for back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am writing to file a formal complaint against XXXX, XXXX, and TransUnion for inaccurately reporting information on my credit report, which has caused significant financial harm to me. 

Recently, I applied for a home loan, but my application was denied due to my credit score being lower than expected. Upon reviewing my credit report, I discovered several errors, including incorrect dates, amounts, addresses and phone numbers. I took it a step further and highlighted the mistakes for them but nothing.These errors have significantly impacted my credit score and cost me the opportunity to secure a home loan. 

I have made several attempts to dispute these inaccuracies with the credit reporting agencies, but to no avail. Despite providing evidence that these items were either paid off or never even occurred, the agencies have refused to correct their mistakes. 

As a responsible consumer, I have always made timely payments and maintained a good credit history. It is unacceptable that the carelessness of these credit reporting agencies has caused me undue financial hardship. 

Therefore, I am seeking your assistance in rectifying this situation. I request that XXXX, XXXX, and TransUnion thoroughly investigate and correct the inaccuracies on my credit report. Additionally, I urge the CFPB to hold these agencies accountable for their negligence and to take necessary measures to ensure that this does not happen to other consumers. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Here is a summary of my interactions with the company XXXX over the past month. 
XXXXXXXX XXXX  XXXX : XX/XX/XXXX, email sent to XXXX : " To Whom It May Concern : According to your records on XX/XX/XXXX, someone opened up several unauthorized accounts with XXXXXXXX while using my name, address, and personal information. I filed a claim with your claims department on XX/XX/XXXX. The address that these XXXX visa cards are being sent to is my old address and were forwarded to my current address. Today ( XX/XX/XXXX ), I received a second card with a different credit card number than the first one that was sent this past week. I would like to also file a claim against the second card that was sent to me on XX/XX/XXXX. 
Please stop sending pre-approved XXXX visa cards in my name. Finally, I would like for all accounts and the address on file to be flagged as 'FRAUD ' and 'IDENTITY THEFT '. Also, I filed a police report concerning both incidents. If you have any questions or concerns, please contact me directly. '' XX/XX/XXXX, phone conversation with XXXX : I called XXXX  XXXX on the above date with a request to close the accounts and tag them as fraudulent. XXXX XXXX Claims Department stated don't worry the account would be shut down and tagged as fraud. 

XX/XX/XXXX, XXXX XXXX email received by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$7500.00}. The lender, XXXX XXXX, is reporting this new account to the credit bureaus. 

XX/XX/XXXX, XXXX XXXX email received by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$4000.00}. The lender, XXXX XXXX is reporting this new account to the credit bureaus. 

XXXX. XXXX Here is a summary of my interactions with the XXXX XXXX over the past month. 

On XX/XX/XXXX, there was an inquiry of my credit by XXXX XXXX. However, such was not authorized by myself as I have never even been to a XXXX XXXX before. 

XXXX. XXXX XXXX Here is a summary of my interactions with the company XXXX XXXX through XXXX XXXX DC over the past month. 

On XX/XX/XXXX, I received an alert stating the following : " It looks like there's a new balance of {$300.00} on your Bank XXXX that you haven't use for XXXX months or more. Please let us know right away if this wasn't you. ''

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-14
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation