BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, 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:
My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XX/XX/2022 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX Inquiry : XX/XX/202XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 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 2023-04-26
Company: EQUIFAX, 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:
I have tried disputing XXXX XXXX XXXX through XXXX and Equifax and they have refused to delete this from my credit report and XXXX have deleted from my credit report and this is causing a problem with my credit report. I have also disputed XXXX XXXX XXXX and that hasn't been deleted from my credit reports either. I have also summitted FTC letters to all the creditors and the items still remain on my credit report I would like for this matter to be handled immediately because it's affecting my credit report and hindering me from doing things with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am summiting this complaint for the reason that Nationstar is refusing to review my loan for the Hamp Tier 2. I have tried to work directly with them however they keep adding extra expenses or they do not use my whole income. I am not negative I make enough for an affordable mortgage payment. From {$4500.00} I am make per month Nationstar only use {$3600.00} they are deducting {$900.00} from my income making me deficit. I have explain many times in writing to Nationstar that I do not have any expenses for the reason that all my clients provide all the materials all I do is labor. There is no reason why they need to take {$900.00} from my monthly income. Therefore I am more than sure that Nationstar is using fraudulent and deceptive practices in order to deny my loan for any assistance. Therefore if this continues I will be forced to file a complaint with my Attorney General and report Nationstar to the FTC and FDIC Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Prosper Marketplace, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage refuses to review our application for assistance. Each time we call to update the status of the file they ask us to send in bank statements that are already there. We confirmed it 3 times with 3 different representatives at Freedom.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow up complaint to Nationstar Mortgage. They have responded to my complaint about my escrow account being used exclusively for property taxes. They claimed that they had " inadvertently, '' pulled money out for insurance back in XXXX. The truth of the matter is than when Escrow Analysis was done in XXXX of 2016, they INCREASED my monthly payment to account for the insurance. They have responded by asking my to " re-fund, '' the money erroneously sent to XXXX XXXX, where my argument is that money should have never been sent in the first place and my payments should n't have increased by {$45.00} in XXXX to account for the insurance. This is wrong and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My credit report is showing both a dismissed XXXX  XXXX Bankruptcy and a discharged XXXX  XXXX Bankruptcy. I have disputed these items several times over the last 9 months but the bureaus continue to respond ITEM VERIFIED to the disputes I've submitted. This is extremely confusing to me because the Bankruptcy court respond to my inquiry to them by stating that they do not report or verify any information to or with the credit bureaus. When receiving notification from the credit bureaus that they verified the information electronically via XXXX XXXX I contacted them. They sent me a notice stating that the information was removed and recommended that I contact XXXX, XXXX and TransUnion to inform them. Nevertheless, with the courts stating that they do not provide any information publicly that includes my social security number or other personal information, I don't understand how the bureaus are claiming that they verified the information. This is a direct violation of the FCRA and must be addressed. These inaccurate and unverifiable public records must be removed from my reports immediately as they are extremely damaging to my file and my well being.

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 2023-10-02
Company: CITIBANK, N.A.
State: VT
Product: Credit 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:
In XX/XX/XXXX I received my credit card bill from Citibank and listed among the charges was this : XX/XX/XXXX XXXX XXXX XXXX FL {$470.00}. 

I did not recognize this charge and I called the above phone number and discovered it was XXXX XXXX XXXX. I had not bought tickets to XXXX and I complained to Citicards in writing. I stated I was XXXX XXXX XXXX, do not have children or grandchildren and would never buy tickets to XXXX. They said they would investigate. 

I just realized today ( XX/XX/XXXX ) that in my XX/XX/XXXX credit card statement, they reinstated the {$470.00} charge. Unfortunately I did not realize this. In the Account Message on the back, they said the credit was reversed " since it was determined to be a valid charge ''. 

I strongly dispute this! Why did they think it was valid? Because someone signed my name on a credit card receipt? I did not purchase this, so no way is it valid! 

Please let them know I am not accepting this. It is unfortunate I did not pick up on this till today, but that does not change the fact that someone robbed me of {$470.00} and Citi is complicit in this action.

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 2021-07-11
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:
Can Somebody explain what transunion is doing with the account of acceptance now First Transunion reported 2 late payments The later in Transunion changed to 1 late payment Then last Trasnunion changed to 5 late payments What transunion is doing is completely is illegal by the law with a account that is inaccurate closed With XXXX  my report is showing no late payments So according to Transunion this information is from the furnisher That is big lie So how XXXX  isnt showing any late payments and last this was an agreement without my signature Trasnunion dont make any sense or any logic They keep changing almost every week In an closed account the most illegal action Enough is enough I will see Transunion is court What Transunion is doing deserves a big law sue Is ruthless action and discriminatory action against me I never saw something like that the most ruthless action against me

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 2023-03-03
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, 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 explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am writing to dispute the account # XXXX opened with XXXX XXXX on XX/XX/2022. This account was opened in fraud, and therefore, I am not responsible for the balance of {$1000.00} associated with it. 

I have never leased anything from XXXX XXXX and have no knowledge of this account. It is clear that someone has fraudulently opened this account in my name without my consent or knowledge. I have contacted XXXX XXXX to inform them of this fraudulent activity, but they have not been helpful in resolving this 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 2022-11-14
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/XXXX we left two deposits for a cruise on XXXX XXXX  on our mastercard. The company went out of business and in XX/XX/XXXX we recieved one refund for {$4200.00}. The other deposit for {$4300.00} Has not been refunded. I have talked to many representitives from Citibank and each time they say it will be resoloved in 7-10 days.I called on XX/XX/XXXX and talked to XXXX. On XX/XX/XXXX with XXXX XXXX of XX/XX/XXXX. XX/XX/XXXX with XXXX XXXX time they said that it was being worked on. On XX/XX/XXXX I recieved a letter from the " customer service team '' That they are continuing to work on the claim. Its now XX/XX/XXXX and I still have no resolution. Are they going to pay or not. If not I need a letter stating why they are not paying the 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 2022-03-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
On XX/XX/XXXX and XX/XX/XXXX there were 12 charges to my Debit card from XXXX. Charges range from {$.00} - {$69.00} 6 of the charges dropped off and never actually came through as charges. 

On XX/XX/XXXX I tried to used my debit card and the restaurant received a notice that the card could not be used, I immediately call SunTrust to notify them of the FRAUD issue on my account. 
I was not in New York on XX/XX/XXXX and XXXX and did not use XXXX. 
The last time I used XXXX was on XX/XX/XXXX for the amount of {$42.00}. 

I never got an answer why 6 charges were dropped off and didn't actually come through as charges but 6 charges are still on my account.

The total amount for the 6 charges is {$240.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$44.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$69.00} XX/XX/XXXX {$44.00} Suntrust ( NOW TRUIST ) has given me no reason why they are denying this as FRAUD. When it clearly is FRAUD.

I was not in New York on XX/XX/XXXX and XX/XX/XXXX. I was in XXXX, VA and if you access my phone location you can see that I was in XXXX, VA. 

And I was also at a restaurant in XXXX, VA on XX/XX/XXXX trying to use my card when I found out my card had been shut down by the bank.

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 monetary relief
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX, Account XXXX XXXX 
15 USC1681 Section 602 States " I have the right to privacy. 15 USC 1681 Section 604 A, also states " A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Sections states " no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under Title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless -- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1. XXXX  XXXX XXXX 2. 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I give authorization for the company to move forward with this complaint. Please see the full complaint attached in the documents and supporting identifying identification. The company Credit Collection Services purchased a debt without me being involved in the transaction. I do not have contract with Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received, email and several phone calls from Hunter Warfield. They claimed I gave them permission to contact me which I never did. Email was sent to me on XX/XX/2022. The lied about me. Giving them permission to communicate via my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: PA
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 notified Experian that the receivable recovery account on my credit report is a result of identity theft. I sent a 605 identity theft letter as well as a ftc identity theft report. According to the federal law Experian has 4 days to block the identity theft account from my credit report but they have failed to do so. It has been well over 4 days and Experian is refusing to comply with the law. I also have a tracking number to prove that the notice was delivered to Experian. 

Tracking number for experian : XXXX Tracking number for Receivable recovery : 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In reference to CFPB case # XXXX. 

My SSN is still being used incorrectly!!! 

When I call in and give my SSN, the XXXX XXXX accounts still show up. This is incorrectly entered. I volunteer for The Friend 's of XXXX XXXX XXXX just like I do with the XXXX XXXX XXXX that has accounts with BofA. I also volunteer with The Church of XXXX XXXX of XXXX XXXX as the Music XXXX in XXXX XXXX XXXX 

Does BofA know what an Irrevocable Trust is? 
It is in charge of it's own taxes and if it were to ever pay me, it has to report it to the franchise tax board and the IRS. Then, I have to report it on my own taxes. BofA doesn't choose how a business pays it's taxes and BofA must abide by this. 

When a Trust creates an account with a Bank, they automatically become a Trustee as well and must abide by the Trusts rules, regulations and laws that are internationally recognized. 

When BofA released the XXXX XXXX finances as mine to XXXX XXXX of XXXX XXXX, BofA BROKE THE TRUST!!! 

When I call BofA to check on the XXXX XXXX, it shouldn't come up when I use my SSN. The XXXX and XXXX are entered correctly and I know this because they don't come up when I use my SSN. 



Again, I am a tax professional with my own tax preparer identification number. I understand what Tax Identification number needs to be used and where it needs to be used at. 

Accounts ending in XXXX and XXXX are incorrectly using my SSN while accounts XXXX and XXXX are not incorrectly using my SSN.

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