BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2020-08-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
There is an EXTRA {$2500.00} in Discover Card balance that SHOULDN'T be there!!! 
Discover is taking SEVERAL WEEKS to resolve this problem. I am FURIOUS!!!!! 
On XX/XX/XXXX I did a balance transfer ( on-line ) of {$2500.00} to my Discover Card ( from my XXXX XXXX card ). Several days later it still wasn't posted on either card. on XX/XX/XXXX I called XXXX XXXX and Discover to investigate. I learned a single digit was incorrect, so it didn't go through. On XX/XX/XXXX Discover representative " XXXX '' told me the origianl {$2500.00} wouldn't ever go through, so we initiated a NEW balance transfer of {$3000.00}. The very next day I saw in my XXXX XXXX account that the original {$2500.00} was approved! I was shocked. I called Discover ( XX/XX/XXXX ), spoke with " XXXX '' who told me to contact XXXX XXXX and explain the error. I did and they fixed the error on their end immediately! But Discover has still NOT FIXED the error on my Discover balance. {$5500.00} has been transferred from my XXXX XXXX ( XXXX card ) when it should only be {$3000.00}. 
I WANT THIS EXTRA {$2500.00} REMOVED FROM MY DISCOVER BALANCE IMMEDIATELY!!!!!!!!!!!!!! 
I've called multiple times. Been on hold for each time for 40-45 minutes and then on long phone calls with various agents, each 30-45 mins ). My last call was with " XXXX '' in the Disputes dept on XX/XX/XXXX. He reasurred me the issue would be resolved by XX/XX/XXXX. It is XX/XX/XXXX and STILL AN EXTRA {$2500.00} is listed in my DISCOVER balance. I am again ON HOLD with Discover as I write this ( 33 minutes so far, no answer ... ) to once again try and  move this along. DISCOVER IS ACTIVELY REFUSING TO CORRECT THIS ERROR which is costing me an extra {$2500.00} I never spent and DO NOT OWE!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I had written you prior to inform you that XXXX XXXX XXXX had practiced deceptive practices regarding my home loan when I fell behind. XXXX admitted that they mistakenly mixed my loan with someone else and gave me the wrong reinstatement amount of which I paid. XXXX demanded several XXXX more from me and intern refused ongoing payments. BAC also refused me a modification. They considered me a troubled loan and sold me off to Nationstar. In XXXX I had a medical hardship and asked for a modification. Nationstar forced my hand while I XXXX and offered me a modification that did not decrease my interest rate. The interest rate remained at my XX/XX/XXXX ( year I bought my home ) of XXXX and they extended the years of payment to 40 years ( I had 10 years left on original plan ) and my mortgage payment did not change from the {$1600.00} amount that I had been obligated to pay. In essence, Nationstar set me up for failure given my delicate circumstances during a bitter northeast winter. Not to mention having a minor child to raise. XXXX and Nationstar has violated the XXXX XXXX XXXX. XXXX XXXX has recently profiled my neighbor who is facing foreclosure by Nationstar and XXXX ( XXXX XXXX ) wrote an article about the ongoing criminal foreclosure practices by Nationstar and others. I have been featured in XXXX XXXX XXXX XXXX talking about my foreclosure plight during the XXXX Annual meeting. I was XXXX of a few to have a special meeting with secretary XXXX XXXX talking about the foreclosure crisis in XXXX XXXX, CT. In her victory primary speech of XXXX, she referenced me as the XXXX from XXXX XXXX. I am fighting to save my home from foreclosure so that I can leave a legacy to my children since I am the first generation home owner from my family. I have been awarded XXXX payments but there is still chance that a may loose my home because according to the XXXX article, these lenders just do what they want right under the nose of our so-called elected officials who has no interest in helping the poor and middle class. Nationstar has tacked on so many fees that I owe them more money now than my house cost in XX/XX/XXXX when I purchased it. I demand that Nationstar take off deceptive fees, charges and if possible turn over my house to me free and clear. XXXX XXXX XXXX has mixed up my paperwork with others and I am not sure that any billed amount is correct. I want CFPB to investigate the deceptive practices of all the lenders who have held my mortgage. My mortgage was originally held by XXXX, then XXXX XXXX XXXX and now Nationstar. All of these lenders has played a part in illegally foreclosing on citizens. When are we going to get justice. My loan number is XXXX. Bt the way, I am XXXX years old so how does a 40year mortgage work for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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 2021-07-07
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  did not provide the service they promised me when I opened the account. The XXXX service had 0 signal in the area where I live. Because of that, I decided to close the account the same day it was opened. XXXX also has a 14 day trial period for customers to try out their service before committing. I called the XXXX company to cancel the account and because I cancelled the service the same day it was opened, the XXXX representative told me they would not charge my card and no fees would be involved. Now, after checking my credit report, I see a collection from the XXXX account that was opened 2-3 years ago. 

I disputed with the 3 Major Credit Bureaus and they did not assist me since the claim I made to the Bureaus was made electronically. The collection is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. XXXX, AS TRUSTEE FOR THE SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST MORTGAGE LOAN ASSET-BACKED CERTIFICATES SERIES XXXX filed its foreclosure action on XXXX XXXX, XXXX. 
2. A Final Judgment of Foreclosure was entered by the trial court on XXXX XXXX, XXXX. 
3. The Final Judgment of Foreclosure scheduled a mortgage foreclosure sale date for XXXX XXXX, XXXX. 
4. The Plaintiff and the Defendant, XXXX, entered into a Stipulation Agreement which was ratified and adopted by the Court on XXXX XXXX, XXXX. Pursuant to the Stipulation Agreement, the foreclosure sale was cancelled. 
5. Defendant, XXXX, filed for relief under Chapter XXXX of the United States Bankruptcy Code on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a number of payments to the Plaintiff on the subject mortgage during the pendency of her Chapter XXXX Bankruptcy Case. 
6. Case No. XXXX was dismissed on XXXX XXXX, XXXX. 
7. Defendant, XXXX, filed a second Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a series of payments to the Plaintiff on the subject property during the pendency of her second Chapter XXXX Bankruptcy Case. 
8. Defendant, XXXX, second Chapter XXXX Bankruptcy Case was dismissed on XXXX XXXX, XXXX. 
9. Defendant, XXXX, filed her third Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. 
10. During the pendency of her third Chapter XXXX Bankruptcy Case, Defendant, XXXX, sought modification of the mortgage that is the subject of this mortgage foreclosure action. 
11. On XXXX XXXX, XXXX, the Honorable XXXX, United States Bankruptcy Judge entered an Order Approving Second Amended Mortgage Modification. 
12. The Bankruptcy Court 's Order Approving Second Amended Mortgage Modification effectively ratified the Mortgage Modification Agreement between the parties resulting in a new mortgage obligation and agreement. XXXX 13. Plaintiff has scheduled a foreclosure sale date of XXXX XXXX, XXXX. 
14. The Court scheduled and conducted an evidentiary hearing to determine whether to cancel the scheduled foreclosure sale based upon compliance with the mortgage modification and whether to dismiss the case. 
15. The evidence and testimony presented at the evidentiary hearing clearly established that the borrower had complied with the payment terms of the modification agreement and that the servicer was refusing to honor the modification agreement because a signed copy was never returned to the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Capital One on XX/XX/2021 and notified them of the 980 violations of my rights as a consumer when communicating with me via telephone, email, and standard mail pursuant to 15 USC 1692 ( b ), ( c ), ( d ), ( e ), ( f ), ( g ), ( h ), and ( k ). I sent them an Affidavit of Truth, Cease & Desist, and an invoice for them to pay for violating my rights 980 times. I also notified them of the fact pursuant to 15 USC 1692 g ( c ) that my paying on a fraudulent " debt '' before knowing my rights as a CONSUMER does and did not validate the debt or the fraudulent contract that is now null and void due to being established under false and misleading representations pursuant to 15 USC 1692 e. I provided Capital One with an invoice pursuant to 15 USC 1692 k that states each violation is considered actual damages and worthy of {$1000.00} per violation. That's {$980000.00} in violations alone. Now, before sending off this recent packet of documents, I sent them a Validation of Debt letter and they responded without providing an original agreement and could not produce a page with a wet signature, which is a violation of my rights and fraud. Additionally, I notified them of the fact that they were violating my rights pursuant to the FCRA by reporting this account to the credit bureaus without my express written consent. pursuant to 15 USC 1681 b ( 2 ). I demanded they remove my information from any 3rd party sites, companies, and credit bureas unless I expressly consent in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: PNC Bank N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved for 5 months through the state for XXXX XXXX. I would get many harassing calls obviously but yet not one of the reps would ever read the notes and added stress to an already tough situation. Finally XX/XX/23 they received a wire. Many calls no one has called me back now. They don't know how to apply funds yet to the penny for XX/XX/23 statement was sent and they don't know how to apply it. The state has also said they are being very difficult. It's unbelievable how easy and now they are dragging their feet and holding on to state funds when it's very clear how to apply not to add the state has already told them. Now that I need their calls, silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}XXXX XXXX Inquired on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Sequium Asset Solutions, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
SEQUIUM ASSET SOLUTIONS , LLC The phone and surveillance equipment was not working properly when purchased and credit was not applied as representative stated. The service were not activated when a crime against victim XXXX XXXX XXXX was committed on XX/XX/2022 a police report was done by XXXX XXXX XXXX and XXXX continued to bill me for services not used. XXXX called several times and reported she was not at residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and reported breaking and entering. 

The company had continued to send a bill after notice of entry of judgement and told the company not to contact me anymore that no bill was due. Phone and surveillance was my equipment from contractual agreement between parties. XXXX XXXX XXXX reported to Attorney General office of risk Management for fraudulent charges for service not used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CCS Financial Services, Inc.
State: IL
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:
I recently checked my credit report and noticed unauthorized accounts on my report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX Balance : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy. 
To Equifax Recently I did an investigation on my credit report which caused my XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under U.S Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
y recived a copy of my credit report and i noticed XXXX accounts the are not mine

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-08-19
Company: EQUIFAX, INC.
State: WI
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:
This serves as my follow up submission of my concern regarding these listed inquiries which I sent a letter to the XXXX, Equifax and XXXX Credit Bureaus dated XX/XX/XXXX. I am reaching out to the CFPB for assistance in ensuring that the aforementioned three Credit Bureaus handle my request for inquiry removal with utmost professionalism. Kindly find below a compilation of inquiries that are either not associated with me or were initiated without my authorization, necessitating their removal : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

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