BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX am writing to dispute the charge off account XXXX that appears on my credit report. I recently became aware of this account and have concerns regarding its accuracy and the impact it has on my credit history. I request that you thoroughly investigate this matter and provide me with a detailed explanation of the account in question. 

First and foremost, I would like to address the nature of a charge off and its implications. A charge off is typically an accounting procedure where a creditor considers a debt to be uncollectible and writes it off as a loss. It is important to note that a charge off does not absolve me of the responsibility to repay the debt. However, it is no longer considered a collectible asset by the creditor and is instead classified as a liability on their books. While I understand the financial implications of a charge off, I believe there may be grounds to challenge the accuracy of this account.

I am requesting that you provide me with the following information regarding the charge off account : Detailed account history : Please provide a comprehensive breakdown of the charges, payments, and any other relevant transactions associated with this account. It is crucial for me to understand the origin and validity of the debt.

Verification of debt : I request that you provide evidence to substantiate that the debt is valid and that I am indeed the responsible party. This includes providing copies of the original signed agreement and any subsequent documentation that proves my obligation to repay the debt. 

Compliance with the Fair Credit Reporting Act ( FCRA ) : I kindly ask that you ensure the accuracy and completeness of the information you report to credit bureaus in accordance with the FCRA. Please investigate whether the proper procedures were followed in reporting this account, including any required notifications and validation of the debt.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

15 USC 1666b ( a ) a creditor can not report late to a consumer report for any purpose to why are you furnishing this false and deceptive information.

5 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance )

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 2022-01-17
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX accounts with Chase bank since 2015. I have had XXXX twice over the last year and am in college. I had a payment due on the Freedom card on XX/XX/XXXX, which I did not make, I was sick and was sleeping most days for over XXXX weeks, it simply slipped my mind. I called chase and demanded they reopen the account and I would make payment. They told me there was no way to do that. I also told them that I would pay the payment due, but I wanted the account open. I spoke with a low-level agent who could not do anything. I spoke with them in regards to COVID and their lack of assistance. In the conversation to the rep said they had to option to close all my accounts. At this time they had only closed the Freedom card. The agent was very rude and I think they closed my accounts in retaliation. I woke up this morning and was told that ALL of my accounts were closed. However, I had made payments before the date the XXXX open accounts were due, so they would not close them. It is clear they closed the accounts in retaliation for my call. I am planning on contacting a lawyer regarding this, however, Chase may have a mediation clause in their contract restricting me to small claims or mediation. I believe the CFPB needs to step in here before I take other steps This was totally retaliatory for the conversation I had with the rep. I have been a customer of theirs since 2015 and had a great payment history. To close them for no reason is a discriminatory and unfair practice. I have now suffered damage to my credit and seek damages. 

I want the cards reopened or written off. I am willing to pay the accounts, I object to Chase 's predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am wondering what process of investigation you are wasting that despite previous escalation of my dispute, you will advised that I had to wait for 30 days for the investigation yet there was no progress for so long already. I am writing to dispute and request the removal and update of an inaccurate late payment that continues to stain the reputation of my creditworthiness on my credit report. 
Account Information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to emphasize that this late payment is inaccurate and does not reflect my credit history accurately. I have consistently maintained a positive payment history with the mentioned creditor, and there were no late payments during the disputed period. The presence of this inaccurate late payment on my credit report has a detrimental impact on my creditworthiness and financial standing. I am committed to maintaining a favorable credit history, and this reporting error is causing unwarranted damage to my credit reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was not notified that my escrow account was short or contacted to find a resolution. I found out about the increase of payment when I got an offer to refinance the loan. It went up from XXXX to XXXX, I ca n't make sense of why. I understand that it would go up when the insurance and property taxes would go up. I want to see in black and white why it went up and they seem to be unwilling to explain to where I understand. Part of the problem stems back to the original loan when they did not get a correct estimate on what the taxes would be and based it off of the taxes for the property alone without any buildings on it. If I have got it figure is that they are charging me for XXXX insurance payments and XXXX tax payments plus XXXX PMI and extra for the escrows the reason I believe that is that they added it all to the payment and not to the principal payment. This change and no cooperation is harming me and my family financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : 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. There were also several inquiries that are not mine : 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. I really need help with this im doing this by myself and need some help.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reviewed my report that Transunion some how obtained without my written permission or agreement, and I ran across a a company named XXXX with a balance of {$8700.00} on a debt I do not owe or have no knowledge of. I continue to alert Transunion XXXX and XXXX of these actions, one letter I sent to all 3 bureaus and they all responded saying I must verify my identity twice and still nothing happened. I reached out to the company and they have no answers for me but to file a report on behalf of my credit. Attached is a copy i sent to the company and transunion received the same via certified letter.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have 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 non-monetary relief
Consumer complaint received 2021-06-21
Company: FRESNO CREDIT BUREAU
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I was very sick and was having trouble XXXX  and needed XXXX  and was taken to XXXX by my boyfriend. While I was in the chair and ready to be XXXX  with the XXXX, the XXXX  tech demands I sign a paper and states that unless I SIGN it they will not draw my XXXX. I ask what the problem is as I have XXXX XXXX  and have met my $ XXXX deductible for the year, and had previously checked with XXXX to make sure I was covered! She states that's their policy in case XXXX doesn't pay ( she tries to calm me down my saying they will probably pay and it might not be an issue ) but demands I sign it. 
I should have refused, however, I was very sick and just wanted to get it over with and leave to go home. I was running a XXXX, could barely XXXX, and was XXXX  and XXXX. 
I get the bill later and see that they are trying to bill me for part of the XXXX, so I call XXXX, XXXX states maybe its a problem with the coding, so I call my XXXX and they send over codes to try and correct the issue. This goes on and on for months, with several calls to XXXX and XXXX trying to correct this, then in early XXXX I start getting threatening calls from XXXX stating they will send me to Collections, so again I call XXXX and explain the whole thing again. They call XXXX with me on the phone and explain to XXXX that I have ZERO LIABILITY per their CONTRACT. XXXX sends my file to CREDITORS BUREAU USA -A COLLECTION AGENCY and states that I signed their paperwork the day of the XXXX  draw, which makes me responsible! I call XXXX again and beg them to intervene as this is not right, legal, or ethical to demand someone sign something under duress, when I paid thousands of dollars to XXXX and for XXXX insurance coverage, to now be harassed and have my credit tarnished. XXXX states they cant do anything except note it in their " file '' for when they negotiate their contracts with XXXX!!!! So not their problem apparently, and XXXX  is forcing AND DEMANDING UNDER DURESS patients to basically agree to be " back billed '' for services that should be covered by their insurance. HOW IS THIS LEGAL????? HELP!!!! 
I have been refused credit now and have had my credit limits lowered because of their negligence, fraud and illegal activity! My credit was perfect and they have ruined it! THE PAPERWORK I ATTACHED FROM XXXX SHOWS ZERO PATIENT RESPONSIBILITY!

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen I have things loans debts credits cards etc car loans that have been fraudulent and I cant do anything for my kids because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
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: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE REMOVE ALL THE FOLLWING UNAUTHORIZED FRADULENT INQUIRIES FROM MY ACCOUNT - 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 IAM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL OF THE UNAUTHORIZED FRADULENT. I have filed a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: JPMORGAN CHASE & CO.
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:
the following accounts appear on my credit report, without any authorization, they are not mine. please review them Identity Theft XXXX Account Number : XXXX This is not mine. 

. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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:
In 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: First Data Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've made several attempts to resolve this with company but was ignored. I asked them to send proof that the debt was mine, which is impossible because I was out of the country when the claimed purchases occurred, which means there was no way for me to make those claimed purchases. They did not send proof, anything with my signature on it, nor did they send any original copies of the checks they claimed that I wrote. At this point it's impeding on my life and I'm fully prepared to go to court for this.

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 2015-05-11
Company: NATIONSTAR MORTGAGE LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an email on XXXX XXXX from Nationstar Mortgage informing me that my mortgage with XXXX XXXX XXXX had been transferred to them as of that date ( XXXX XXXX ). This was the XXXX correspondence I had received that even stated my loan was being transferred. At that time, I attempted to log into XXXX XXXX XXXX to see if I could get any documentation to download and was not able to see my loan information. In that email it also stated that my loan information would be available in the Nationstar system by XXXX XXXX. On XXXX XXXX, I received an email from Nationstar informing me that I could log into their system with my old loan number and see everything online in order to make a payment. I was unable to do so and have sent off several emails and contacted Nationstar because my mortgage is due on the XXXX. I am extremely stressed over this whole thing because I was given no notice, was not allowed to access my account on XXXX XXXX XXXX, and now am unable to register or log in with a new lender. In the last email, it was stated that I would receive my new loan number in the mail in a few weeks. This will then cause me to be late on my mortgage and I do not want it to be affected. This is a very nightmarish situation, and from my understanding, I should have at least been notified of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-07-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2015-05-09
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar MortgageMonday, XXXX XXXX, XX/XX/2015nationstar IS NOT APPLYING MY PRINCIPAL PAYMENTS TO PRINCIPAL THEY ARE APPLYING IT TO FEES. i paid an additional {$20.00} to the principal and as you can see from the records below but when i login to my nationstar mortgage account they have the {$20.00} applied to FEES. they do n't say what kind of FEES it just says {$20.00} fees principal paid {$0.00}. 

why did XXXX allow me to get stuck having nationstar mortgage get my home loan from XXXX home loans??? 

Thank you for making a payment at MyNationstar.com! 

Below are your payment details : From Account : XXXX Bank and XXXX XXXX Account : Loan Number XXXXPayment Date : Monday XXXX XXXX, XX/XX/2015Payment Amount : $ XXXX Fee : $ 0.00Additional Escrow : $ 0.00Additional Principal : $ XXXX Amount : $ XXXX Payment : $ XXXX confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, a QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT, VALIDATION OF DEBT LETTER, & TILA REQUEST was sent to Nationstar Mortgage on behalf of our client. Per RESPA law, we are required to receive written acknowledgment within a few days. On XXXX XXXX, nearly 17 days had passed with no acknowledgement. I called Nationstar and spoke with an agent who faxed me an acknowledgment letter dated for XXXX XXXX, advising their goal was that a full response to our request would be provided no later than XXXX XXXX, 2015. As we have crossed that deadline, today i called Nationstar to find out where our legally required response would be. I was advised by an agent named XXXX, that although they acknowledged receipt of the QWR verbally and in writing, and even established a time frame for this response - that Nationstar has seemingly ignored the complete request and we would have to send another to POSSIBLY get a response. As this violates RESPA and TILA protocols, we have escalated to complain through your regulatory agency, who has jurisdiction over RESPA matters.

Company response to consumer: Closed with explanation