BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My loan was sold to this company by XXXX. XXXX sent them over the money for the payment for this month and roundpoint will not apply it. I called roundpoint and they confirmed that they received the money and when asked why they haven't applied it, i was told that " they are still waiting on paperwork from XXXX  '' Why do they need paperwork from XXXX  to apply my payment? Why would a company buy a loan from another 2 months ago and now they have possession of to loan without " paperwork ''? It sounds fake 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 2023-08-24
Company: Experian Information Solutions Inc.
State: TN
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have bought my house 2 years ago with a XXXX interest rate. My payment was {$2700.00} a month. Last year they raised my rent {$300.00} a mont to {$3000.00} a month. Now this year they raised my mortgage to over {$400.00} a month. Now my payment is {$3400.00} per month. My property taxes went down I am sure my insurance went up a little not {$6000.00} dollars. Something is wrong and they are not fixing it. At a XXXX interest rate this is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
Inaccurate information & unlawfully listed without consensus.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information & unlawfully listed without consensus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was on a low interest rate payment plan and making payments just fine. I did not realize that the program ended and I had to call in to enroll again. This was the start of delinquent payments. The last payment they have on file was made in   XXXX   XXXX    . I did n't realize until the calls started, that I was late. I am very willing to make a payment but needed more flexibility. I was offered a  XXXX  interest rate in  XXXX  and that was great but I had to make a large payment on that date and could not do it. I asked if I could make the payment in  XXXX  and they said I 'd just have to call back in  XXXX , so I waited. Now, they can only offer  XXXX  rate which makes my payments too high. I requested the  XXXX  rate by talking to a supervisor. He would not approve me and told me that I ca n't speak to another supervisor and he would not transfer me. He then hung up on me. I would like to make my account current but need more options. Every time I speak with Navient they are extremely rude. I can not believe they are allowed to speak to customers in the way that they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, NY XXXX I paid off my loan a couple months ago. I believe I have been making payments prior to the due date. I asked Mr. Cooper ( Nationstar ) by email to account for all of my early payments and credit the interest I have saved by making my payments early. Note : My loan 's interest is calculated by using the Daily Simple Interest method. 

They have not acknowledged ( within 5 business days ) or responded to my email that I sent on XX/XX/2023. Note : Nationstar provided me with the email address ( XXXX ). XXXX is the servicer and Mr. Cooper ( Nationstar ) is the subservicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up complaint to inform you that I am a victim of identity theft. The items I am disputing today have no connection nor affiliation with me and my transactions. 

Please remove the listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2023, I received an Alert from XXXX that a new account was posted to my Credit Report. According to the information a loan or lease account was opened with XXXX XXXX in the amount of {$58000.00}. Since it was on the Experian report, I immediately filed a Dispute Report to dispute the information since I had never heard of the company nor initiated any loans in XXXX. I also called XXXX and was connected with a Restoration Specialists. As was advised to file a Local Police Report, an FBI Report, and a Federal Trade Commission Report. All three reports have been filed. I also placed a fraud alert on my Credit Report with all 3 Credit reporting agencies. I was told to contact the company and tell them I was a victim of Identity Theft, which I did on XX/XX/2023. The XXXX XXXX when I call want an account number before they will assist me. I told them I was a victim of Identity Theft, they finally asked for name, address, last 4 SSN, yet there is no record in their system of my name, address, or last 4 of my SSN. However, according to the Experian Dispute Results on XX/XX/2023 XXXX XXXX says the information submitted to XXXX was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
This is my follow up complaint to the Experian and XXXX Credit Bureaus with the assistance of CFPB informing the 2 CRAs that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. And they are are required to block and remove these specific inquiries not later than provided timeframe. Ive already included the identity theft report in my previous complaint & I am including it again here. Also, the data the Experian and XXXX provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 XXXX XX/XX/2023 I received a credit monitoring notification that a collection agency ( XXXX XXXX XXXX ) had reported an account attributable to me to TransUnion. This is despite me maintaining active fraud alerts on all my credit reports. 

I immediately informed TransUnion that I had no knowledge of this account and have never done business with XXXX XXXX XXXX or the claimed creditor ( XXXX XXXX ). I have absolutely NO DEBT and I do not owe either of these entities {$10000.00}. 

Furthermore, I never received any written, oral or electronic correspondence from this collection agency, who has violated the law by reporting this false information to a consumer credit reporting agency ( U.S.C. 1006.30 ( a ) ( 1 ), debt 'parking '. This collection agency has yet to make contact with me about this purported debt. 

I submitted this dispute to TransUnion ( by certified mail ), who soon after claimed that its investigation 'verified ' that the data was accurate, and reflective of my 'educational ' debt. Furthermore, it even associated 'updated ' the incorrect information to strengthen its association with my personal credit file. 

My student loans have been paid for years, and this has been reported by all major credit bureaus ( including TransUnion ). 

I have since re-submitted the dispute, with extensive additional documentation ( attached to this complaint ). 

I am a first-time homebuyer preparing to make the biggest purchase of my life. Suddenly having over {$10000.00} in fake debt parked on my credit report significantly disrupts the financial goals I have worked so hard to achieve.

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 2023-05-01
Company: EQUIFAX, 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:
This is my Follow-up 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 : XXXXXXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have an account with Navient and I been paying then since XXXX and they said I still owe them XXXX until XXXX. But they wo n't working with me and I need to what is going on and get this fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: UT
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:
XX/XX/XXXX I have disputed information on my credit report that I have not provided to any Credit reporting agency. When I disputed this information on my credit report to XXXX, Experian, I was told by both agencies that their information is accurate and was validated by the Federal Bankruptcy Court house Salt lake Utah provided them with my personal information and I would need to contact the courts. Which I so happened to do so and received a letter stating no such information was given. XXXX, Experian both lied. This information was added to my Credit Report without my Knowledge or Consent! in my letter I'm directed to contact the Attorney General, FTC. I request that XXXX, Experian either provide documents they have legal rights to add this to my credit report or delete this file. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] you need to remove the follow accounts : XXXX XXXX XXXX XXXX Account number XXXX Account type Unsecured Date opened XX/XX/XXXX Status Petition foXXXX XXXX  XXXX Bankruptcy. 
Status updated XX/XX/XXXX XXXX  XXXX bankruptcy petition Date filed XX/XX/XXXX Date resolved - Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XXXX XXXX Further, Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

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 2019-08-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX sent a wire transfer through XXXX XXXX XXXX  to USAA Federal Savings Bank with a copy of my voided check, wire instructions and a copy of the Receipts and Disbursement Ledger in the amount of {$42000.00}. This was money I received from the sale of my house in XXXX XXXX XXXX Florida. At the time of closing I was not present due to a job transfer ( XXXX ) on XXXX XXXX XXXX, from Florida to XXXX XXXX CA. Immediately upon arrival I began preparing for XXXX to XXXX and I had forgotten about the money and I fell ill. I had two major XXXX. Years passed before I remembered and tried to recoup my money but USAA says they have no record after 7 years. My name on the check was XXXX and I had gone through a divorce in XXXX but had not changed my name on the account. The information tired to that account should've matched my present account and there was never a lapse. I've been a constant member of USAA for over 17 years. I will attach a copy of the " Receipts and Disbursements Ledger from the XXXX XXXX who closed the sale, a copy of the Outgoing Wire Request Form and a copy of the Voided Check with my name and account number. If you have any questions do not hesitate to contact me. Please help me get my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
On XX/XX/XXXX, After finding out that our bills were perpaid and reading about consumer law. I decided to apply what I learned and sent it over by certified mail to Capital One Auto finance. The UNITED STATES has been in bankruptcy since XXXX and as part of the XXXX XXXX. There isnt any money in circulation. Once the gold / silver was taken out of circulation. Theres only XXXX currency. You cant pay debt with a debt instrument. The bank never put up anything of equal value. I own the promissory note.. I asked for the company to send me a wet copy of the contract signed between both parties. The company has issued an illegal repossession of my personal property ( my XXXX XXXX XXXX ). I explained to the company it would be illegal for them to send a third party out to steal my personal property. I provided them with this code. 15 US code s-1692f ( unfair practice ) for giving my personal information information to a third party without my consent. The remedy for this issue is simple. Since theres no money in circulation, all bills are prepaid and theyve already been paid 9 x over from my promissory note that has been on the stock market. This contact is null and void and to send me the title of ownership for my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following inaccurate information on my Equifax credit report, which I originally reported to Equifax on XX/XX/XXXX The account XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$260.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$170.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXXXXXX XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$790.00} ) is not mine. Please remove it from my credit report. 

The account XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$200.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXX XXXXXXXX XXXX XXXXXXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ) was never late. Please correct/update this inaccurate information on my credit report. 

The account XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$390.00} ) is not mine. Please remove it from my credit report. 

The account XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00}, Original Creditor Name XXXX  XXXX XXXX XXXX XXXX ) is not mine. Please remove it from my credit report.

Company response to consumer: Closed with explanation