BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is the 10th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX  is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX XXXX XXXX {$5000.00} limit

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 2022-11-07
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been paying our mortgage regularly, but the balance has not changed and our monthly payment is being increased, even though it is a fixed rate mortgage and even though we are making our payments. We have been asking for copies of paper work so we can refinance with another company, but the current mortgage company claims that it doesnt have copies and only sends the first page claiming that it doesnt have the rest of the paperwork. We get the runaround when we call them and disrespect from the persons we may talk to when we are finally able to get through. I have lived in this house for XXXX years and I am tired of being mistreated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
HSBC froze my assets without notifying me and this resulted in returned payments for my mortgage ( XXXX Bank ), credit cards ( XXXX XXXX and XXXX ), auto loan ( XXXX XXXX XXXX ), and electric utility ( XXXX ). I was unable to access my funds held by HSBC. 

When the payments were first returned, I was assured it was an error and that all automatic payments would go through without delay. Nevertheless, additional payments were returned. HSBC later informed me that HSBC provided incorrect information and that all payments would be returned. 

At no time did HSBC acknowledge the issue and instead dismissed me suggesting I should have simply used other bank accounts to pay my monthly bills. My entire paycheck is deposited with HSBC, and I had no other account or funds available. HSBC had no problem holding onto my paychecks during this incident. 

Altogether, I received late fees and interest charges amounting to several XXXX dollars. This could have been avoided if HSBC proactively communicated about the potential fraud issue rather than waiting for me to contact them after returning my automatic payments. 

Several HSBC representatives confirmed that I would be reimbursed and would receive a call back. I never received a call back. 

I placed another call today and the representative said I would not be reimbursed and should instead work with the merchants directly. The merchants have declined to assist and instructed me to work with HSBC as it was HSBC 's fault and HSBC should be held accountable. 

I have spent more than XXXX hours on the telephone with HSBC and the impacted merchants to resolve this issue with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
RE : Nationstar Mortgage LLC ( AKA. Mr. Cooper ) I purchased a home financed by a VA mortgage through NationStar Mortgage LLC on XX/XX/XXXX. 

When I received my first bill, I realized the amount was wrong, in that it was approximately {$200.00} too little ( Approximately {$1800.00}, should be {$2000.00} ). 

This {$2000.00} reflects my mortgage, and insurance, and taxes paid in escrow. 

I pointed this error out to NationStar immediately, and paid {$2000.00} towards my payment, as it should be. The error was in the amount calculated for taxes. 

I continued to pay my mortgage in the amount of {$2000.00} for the remainder of the year. 

On or about XX/XX/XXXX, I received a letter from the town of pending lien, that my taxes had not been paid. 

I notified NationStar, and was assured that it would be taken care of. 

On or about XX/XX/XXXX I was sent a follow up notice of pending lien, and I called the city tax-collector and confirmed that NationStar had not dispersed the taxes due.

I again called NationStar, and they again assured me that it would be sent to their tax department to take care of and that I should not worry about it.

On the date the lien attached, I called the city tax collector to confirm that the taxes had been paid. They told me the taxes had not been paid, and a lien would be in the mail the following day.

I called NationStar again, and after 20 minutes on the phone, they apologized profusely and assured me that it would be taken care of.

I received the Lien in the mail a few days later, and again called the tax collector, and again called NationStar, and was told the same thing again.

To date interest of {$110.00} has accrued, a lien fee has gone on the public record of my house, attached to my name, and a lien fee of {$24.00} has attached, a total of {$1400.00} has gone unpaid in taxes, and I have over {$3000.00} in my escrow account with NationStar that they will not release to pay them. 

Today on XX/XX/XXXX, I again called NationStar, and was told that they called the tax collector, and the tax collector said nothing was due. I live in a city where the tax collector picks up the phone on the first ring, and can answer my questions in seconds. I have called personally called the tax collector 4 times, and they immediately are familiar with my address, and the exact amount due on unpaid taxes and the status of my lien. There is no scenario in which NationStar is being honest by saying they called the tax collector. There is only a small handful of employees in that office, and every time I've called the person answering the phone is not familiar with anyone from NationStar calling about this lien, although they are always familiar with the lien within seconds as if they have a clipboard in front of them with limited liens on property in this smaller city.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
* Dear Sir/Madam, This letter serves as a formal demand for validation and verification of the debt on my credit report from University of XXXX . I am requesting that you provide me with all original documentation from the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX, to prove the validity of this debt. I challenge the legality of the debt sale without written permissible purpose, citing 15 USC 1681 and any relevant subsection. 
Additionally, I demand proof of licensure on behalf of all parties involved, including the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX. This will help to ensure that all parties involved are legally authorized to collect this debt and that my personal and private information is being handled appropriately. 
Please note that I am not refusing to pay, but I am requesting that you provide me with the necessary documentation to verify the validity of this debt. I am aware that I have the right to dispute this debt and request written evidence of it from the debt collector within 30 days of receiving a debt validation letter. I am also aware that it is a violation of the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector to refuse to send a validation notice or fail to respond to my verification request. 
I demand that you remove the associated negative trade line notations from the credit reporting agency reports until you have provided me with the necessary documentation to validate this debt. I also demand that you forward this letter to the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX, at the addresses listed On the Credit report. 
Original Creditor : University of XXXX Debt Buyer : XXXX XXXX XXXX Address Unknown Furthermore, I demand that you provide me with the full name and address of the original creditor, University of XXXX XXXX, at the time the debt was sold, as well as the account number associated with the debt. I also demand that you provide me with the name and address of the debt buyer, XXXX XXXX XXXX. 
Please make sure that all communication regarding this matter is in writing and sent to the following address : XXXX XXXX XXXX XXXX XXXX, Ar XXXX Thank you for your prompt attention to this matter. 
Sincerely, 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
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
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
Consumer complaint received 2023-03-29
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe the loan officer breached my family information and another family information By sending us a pre approval with my wife name on it and another family name on it We forwarded the pre approval letter to our real estate agent who noticed It is attached to two families And she called us and said what are you guys trying to do here it look like a scam or fraud My wife got so devastated and upset She been working as a XXXX XXXX for XXXX & XXXX for 15 years and that loan officer try to destroy her reputation He didnt even apologize or trying to he said so what you cant do nothing about it

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 2023-01-09
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:
In accordance with the fair credit Report act. The following account below have been violation my federally protected consumer rights to privacy and confidentiality pursuant to 15 usc 1681. Section 602. A which states that I have a right to privacy. also, they have violated my rights under The Financial privacy Act of 1978, and credit denial in violation of 15 usc 1681a ( k ) .this entity also violated 15 u.s.code 1602 ( p ) .also violating 18 usc 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  They ( credit furnishers ) have violated my rights, restraint of trade in violation of 15 USC1,15 USC 2.

Additionally, it clearly states under 15 USC 1681 SECTION 604 SECTION 2, that a consumer reporting agency can not a furnish an account without my written consent..

15 U.S.CODE 1681c ( a ) ( 1 ) SECTION STATES ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.. 

XXXX. Late payments

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 2017-05-03
Company: COMMERCE BANK
State: LA
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:
On  XXXX   XXXX ,    2017 this financial instituti on pulled my credit without my consent. I contacted them twice and they refused to send proof that i gave authorization to do so. I then asked that they contact the credit bureau and retract the inquiry and they again refused. I now beleive that they are in Violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: GA
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:
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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXXXXXX Balance : {$9300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an Amazon store card that I stated using in XXXX. I just noticed that I have been receiving a charge that I hadn't noticed previously when checking the card statement. Went back as far as it allowed which was to XXXX. Seems I've been charged a credit card security fee for a while now. Called them and found out I've been paying it since XXXX. The fee amount which is 1.66 % of the total every month. I tried to get a refund and they will only allow a refund of the last 12 months. I feel as if I've been secretly thrown into a credit card scheme that they can legally do to take advantage of people. I asked for a supervisor and they refuse to give me the entire refund. I checked online and many people have been noticing the same charge popping up on their synchrony cards. One person said they were able to get a refund of for theirs dating back to XXXX. This has me extremely stressed out, please help and thank you for your time.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-06-14
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Greetings, Copies of the note and the mortgage has not been given to me period. i have asked for the note and mortgage agreement from the beginning of time and i have not gotten it. 
XXXX had the loan who sold it to, XXXX  XXXX XXXX, then had Nationstar mortgage billing, after each bank has been asked for the note and mortgage. Over the course of the loan and communications to the companies payment has been paid in full as of XX/XX/2018 the bank has doctored information changed records committing fraud, theft of funds, and securities fraud. The C.e.o. has been notified and has failed to response. 
this has in-turn resulting breach of trust, breach of fiduciary relation in a private, priority, special, proprietary trust arrangement. The trustee is now in breach and has failed to close this account. The bank stating that checks was cashed was false per the report from there bank and the bounced check from XXXX XXXX XXXX. Transcripts from mr. cooper a.k.a nation star has changed records, falsely represented information, theft, and have committed several other violation United States Constitution and law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXXIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXXNSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation