BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all file sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-05-24
Company: Experian Information Solutions 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:
THESE ACCOUNTS DO NOT BELONG TO ME XXXX Account number XXXX Open/closed Closed Date opened XX/XX/2020 balance 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 explanation
Consumer complaint received 2017-05-03
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:
There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :   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 explanation
Consumer complaint received 2018-05-15
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased this home approx 10 years ago and was initially required to pay PMI because of the low down payment I made. Now, the LTV is approx 65-68 % and the company ( Mr Cooper ) is fraudulently refusing to discontinue the PMI deductions. In fact, the LTV Passed the 80 % mark several years ago so Mr Cooper has  illegally taken my money for quite some time. When I tried to get them to fix this they made up facts and tried to tell me I should refinance with them using their streamlined process and that if I agreed to refinance with them theyd see what they could do about the PMI. They also told me there had been no recent sales in the area ( this is absolutely untrue ) - This all sort of sounds like extortion to me. There have been several homes sold in the neighborhood, some that they have services the loans for, so they know the truth and yet they still take the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I had called to ask about the process for removing PMI from our mortgage. In response, they sent a letter stating we would need to meet the 80 % LTV - which we knew, just wanted the process. We still had half a year before getting to the 80 % mark,XX/XX/XXXX. 

I called PennyMac at the beginning of XX/XX/XXXX to request removal of the mortgage insurance ( MI ) from our loan. I was told, per the documents I signed that it wouldn't be removed until some year in the future ( I do not remember what year but something like XXXX ). It couldn't be removed because it was an investment property. I asked where they got this date and they said on the MI disclosure we signed - I asked for a copy of the MI disclosure. The copy they provided actually showed XX/XX/XXXX which is what we had signed at settlement. No idea where their XXXX? date came from. 

On XX/XX/XXXX I officially requested in writing ( via their secure messaging system XXXX removal of the PMI associated with our loan. I provided a copy of the MI disclosure document that specifically states the date MI can be removed and that states this was not a high risk mortgage and that the above guidance applied. There are no other loan documents that modify the MI disclosure document. Additionally, the ability to remove MI at the 80 % point was material in our decision on proceeding with the subject loan. We would likely have made very different loan decisions as it impacts our bottom line. 

The response we received from PennyMac was " Unfortunately, the MI disclosure is a generic disclosure for primary residence. In your case, your property is an Investment property based on your loan application. After receiving your request for information on PMI deletion, I submitted a request for PMI deletion based on original value. Unfortunately, your loan does not qualify at this time, as your LTV must be below 65 %. You will receive a letter in the mail that will recap the above information. Presently your LTV is 79.90 %. ... '' The document may be " generic '' but that should not relieve its applicability if used. If a different disclosure for investment properties should have been used, that is not our error. We went into the mortgage contract in good faith and we were not the writers of the documents.Additionally, we even requested confirmation of the MI removal when we received the initial loan documents for review prior to settlement. It was verbally confirmed the MI would be removed at the 80 % LTV point. 

The attached file is what we provided to PennyMac via their secure messaging center on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16
Company: NATIONSTAR MORTGAGE LLC
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: Account status incorrect

Complaint:
I recently refinanced a 1st mortgage with Nationstar ( now Mr Cooper ) and a LOC with XXXX into a single mortgage. Being in Florida, and having suffered damage due to Hurricane Irma, I took advantage of the XXXX XXXX loan forbearance on the Nationstar mortgage and was in the process of deferring my XXXX, XXXX, and XXXX loan payments. I was told that we would then discuss what would be done and either pay all to bring it up to date or somehow adjust the payments going forward. The refinance process took forever. We started the first week in XXXX and the loan didn't fund until XX/XX/XXXX. Herein lies the problem. Nationstar was greatly responsible for the delay in the refinance as they were not able to reply or get paperwork out in a timely manner. NOW Nationstar is reporting to XXXX  that I had a 90 day past due payment. They are saying the entire amount of the 3 payments was due on XX/XX/XXXX. My ex-wife was still on the loan with me and they are reporting the same on her credit. Each of us had excellent credit before this ( over 750 ) and now have credit in the low 600s. Nationstar is not replying to complaints that we have filed and is not returning phone calls. ADDITIONALLY, they did not send me my escrow balance until I had to call and ask for it, 2 months after the refinance funded. We just need someone to help us. I plan on buying a car in the next few months and this credit error is going to make that more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: NC
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:
Credit bureaus are reporting inaccurate information my credit on a business account that was charged off and fully paid by the business. This account should have never shown o n my personal report. Multiple disputes only resulted in computer generated responses from the credit bureaus with no proof of what they have investigated and how.

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 2021-07-29
Company: EQUIFAX, INC.
State: NC
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:
Credit bureaus are reporting inaccurate information my credit on a business account that was charged off and fully paid by the business. This account should have never shown o n my personal report. Multiple disputes only resulted in computer generated responses from the credit bureaus with no proof of what they have investigated and how.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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.

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 2023-05-24
Company: Experian Information Solutions 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 have accounts and inquiries that are inaccurate and need to be removed off of from my report asap!

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 2021-07-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After filing a complaint with this office, ( # XXXX-XXXX  ) 5th 3rd bank retaliated against me by filing a report with the Sheriff 's office against me and my wife. We were contacted by Deputy XXXX  Of the XXXX County Sheriff 's Office ( XXXX ) on behalf of 5th 3rd and told to not contact the bank again for anything under threat of arrest. The XXXX stated all contact must go thru the CFPB since this is where the complaint was filed. I should not be subjected to segregation or discrimination for making a discrimination complaint with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2018-05-11
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nationstar ( dba.MR COOPER ) added an escrow account to my mortgage payment and reported it 30 days late in XX/XX/XXXX. They acknowledged this was done in error and failed to correct my credit to positive status for over 7 months. They also reported my account 30 days past due for XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX, even while accepting my payments and providing written documentation that the negative reporting was their error. They also provided written documentation that the account was never late and should have been updated with the credit agencies. As of XX/XX/XXXX, my credit score is still under 650 because of the late payments reported over the last 7 months and I have documentation of 11 attempts to correct this via email, mail and phone calls. I have also hired a lawyer to work on my behalf. I have suffered severe financial loss due to these errors and the length of time that my credit score has been damaged. There is no explanation for the 7 months of delays is correcting the errors in my credit reporting and I would like the CFPB to investigate this case and hold Nationstar responsible for it's gross negligence. I hope this case will be used as an example of how mortgage services can destroy innocent victims credit and cause innumerable levels of stress and financial damage. There needs to be better credit correction oversight of mortgage services in the future to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan with speedy cash in the amount of {$1000.00} I made payments until they started taking out extra money at random times and my bank blocked them. I had made over 1500.00 in payments ( I have the bank statemetns that reflect such ) They have now turned me over to a collection agency for the amount of {$1000.00} I have disputed and disputed and keep getting letters. The interest on this loan was 353.302 % I have paid this loan off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2017-05-03
Company: U.S. BANCORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My monthly payment has been  1  percent since the loan started, over  XXXX  years ago, they stop my billing statements for about   XXXX    months, then i got a statement   XXXX   XXXX   XXXX   my balance is  XXXX  instead of my normal payment of  XXXX , they raised it to  XXXX  When i called  XXXX  guy said my interest rate changed, he lied.Another guy said they made a mistake on the loan and i owe more and a adjustment was made, they kept making up excuses.  XXXX   XXXX  recently purchased another loan I have, they started over billing me also  US  bank and  XXXX  loan are the same companies.

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 2022-09-22
Company: Blackhawk Network Holdings Inc.
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a prepaid scarlet card from XXXX on XX/XX/2022 and loaded it with XXXX $ and then found it is important to activate and get the money out. It can not be used to buy anything transfer money anywhere or use an atm to get cash out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
According to my research, I have been experiencing a lot of issues concerning the alleged third party debt collector ( Mr Cooper aka NationStar Mortgage, Who I do not currently have a valid contract along with XXXX XXXX XXXX, XXXX. I'm currently in active XXXX  during XX/XX/XXXX to current status until XX/XX/XXXX, I recently receive a foreclosure notice from Foreclosure law firm XXXX XXXX XXXX , XXXX, for XX/XX/XXXX, which I'm currently still in bankruptcy. I would like for the foreclosure law firm to be fully investigated according to Ultra Virus 9-203 and Theft by Deception under 7-105, and violated FDPCA, according Fair Debt Practice Credit Act. violated my equity rights to the property. I recently filed a complaint in XXXX  XXXX XXXX Court to vacate the stay due to bankruptcy status. Based on alleged Mr Cooper aka Nationstar Mortgage. I have also send numbers of debt validation and QWR ( Qualified Written Response and UCC-9-210 PROOF CLAIM ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reviewed my credit report on   XXXX   XXXX   XXXX  , via  XXXX  and found a Capital One Credit card account on my   XXXX   and  XXXX  credit report, however I never applied for the card in question, which list the account status as " account relationship terminated '' Date opened    XX/XX/XXXX    ; amount {$560.00}, this account is listed as in " good standing '' and " paid as agreed, '' however I did not authorize this account to be opened up in my name, or listed as an authorized user, or cosigner. I have not received a response back currently from  Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I saw someone using my SSI # information to try applying for a Target card on XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attended a College called  XXXX   XXXX   XXXX  in  XXXX , GA in Fall of   XXXX  . To get my tuition covered I took out a couple of   XXXX   XXXX   that had been offered to me. Once I left the school I made sure I did n't owe the school money and I did n't have any holds because I wanted to transfer all my credits to a new school.  XXXX   XXXX  sent my transcript to my new school. Currently I am enrolled in school and I am on track to graduate with my  XXXX . So, I am very confused how  XXXX   XXXX  is saying I owe  XXXX  dollars and release my transcript to continue school. When I stopped attending  XXXX   XXXX  there was a {$0.00} balance on my account. Attached details how much I 've been awarded Fall of   XXXX  . Which I accepted in the beginning of the semester. This seems to be a error on the schools end not on my end because it seems to me that for some reason my loans did n't get disbursed even though I accepted to received them that semester.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: MI
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:
Experian.com constantly asks me to validate my address by providing them my driver 's license and tons of information to even speak to me over the phone as a way to not handle a problem. I have emailed, mailed and uploaded sensitive information to them countless times and will not do it anymore. They use it as an excuse to not properly handle complaints and disputes and don't investigate the disputes properly. For example, XXXX sent me proof in writing they've notified all credit bureaus of updates to balances and payments yet Experian STILL has not fixed the problem even after filing a dispute which I can NEVER review online.

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