BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-11
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this complaint in regard to my mortgage compa ny Nation Star. I  applie d for the HAMP ( Home Affordable Modification Program ) bac k in  XXXX   XXXX . I faxed documents and the mortgage company took more than a month to respond to me and when they did they asked for documents that I had already sent to them. This went on for more than 2 months and each time they would say, we have n't received it or this is the lat thing we need to determine your eligibility.  <P/> So in  XXXX   XXXX  I re faxed everything again along with update bank statements and pay stubs. Fast forward to  XXXX   XXXX  and they now tell me I do not quality because the program has expired in  XXXX   XXXX  and they have put me in their own in house standard modification program where it decreases my payment by $  XXXX  {$15.00} per month. This is not a modification nor what I applied for. This  is ILLEGAL and  in direct violation of RESPA as well as many state and federal banking laws.  <P/> Upon doing research and contacting friends that work in the mortgage industry, I learned that the Home Affordable Modification Program  the ( HAMP ) progra m did not expire until  XXXX   XXXX ,  XXXX , the last day to submit applications, and the Modification effective date must be on or before  XXXX   XXXX ,  XXXX . Based on these dates, I certainly qualified. Nation star is trying to take advantage of me and my situ ation. By dragging their feet, until the deadline expired and using this as an excuse not to process my HAMP request, which I know I qualify for due to my decrease in income and upside down property value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The problem existed with a Bank America Credit card ending in XXXX and it was recently changed to a new card ending in XXXX. However, I was informed by you to reopen the case and I did. It was turned over to XXXX XXXX at Bank of America she thought it was a fraudulent activity that took place on XX/XX/XXXX. It was written up as a Fraud with the details that XXXX XXXX gave me to confer to the fraud department. My old card ( used in the fraud, ending in XXXX ) was instantly canceled and I was issued a new card ending in XXXX. The money was also refunded. I recently received a message from the bank stating the charges on the old card was made by me and I signed for the charges plus my PIN was used. I will contact the bank on Monday and XXXX XXXX because that particular card does not use a PIN or a Signature. I tried to contact the bank as follow but my email must be block : I read your letter concerning the account ending in XXXX associated with this new account number. However, the letter is inaccurate according to the information given. First : The old account ending in XXXX the information is inaccurate. The card did not have any PIN associated with it and no signature was required then and not required now. 
I have been a victim of Identity theft and apparently, it has been ongoing which can date back to the hacking date and scam date of XX/XX/XXXX. 
I recently had to reopen my federal credentials and federal papers due to a lack of the bank and law enforcement allowing information federally to become public information for scammers. I will contact XXXX XXXX of your bank about the decision of your choice because it has been acknowledged that someone tried and is trying very hard to be me but has no federal credentials for me. Consumer Finance.gov and CAC requested I reopen the case. XXXX XXXX of your bank said it was a fraud. 
You should have reviewed that account, and you would realize it requires no PIN or signature for any transaction. Therefore, you would have to show me my signature and my pin for me to accept your decision. If you can not show me this proof of agreement for the amount in question, I am returning to CAC, the Office of the Comptroller regarding bank disputes. 
I could not get the email submitted nor was I able to dispute the letter or do a rebuttal. I am not sure how to submit but the initial request to reopen this case was from your office and Office of the Comptroller of the Currency. Case # : XXXX I could not get into my account with your office.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Back in XXXX of 2020, XXXX  removed the 2 bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all 3 credit bureaus, XXXX removed the 2 public records but transunion and XXXX  did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX  removed it because they could not verify the information, how did transunion and XXXX do it? Please provide the documents or information with the person you spoke to or used to verify

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 2022-02-26
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a response to the complaint I initially filed with the CFPB today ( XX/XX/2022 ). I did not receive the items I specifically requested in my initial letter to the collection agency ( XXXX XXXX XXXX ). The collection agency merely forwarded a letter summarizing charges they claim are due. The letter was not even on letterhead nor was there anything provided from the original creditor ( XXXX XXXX of KY ). 

Attached is the letter I sent via certified mail with return receipt today ( XX/XX/2022 ) to the collection agency noting that I would not accept what I received from them to validate the related claim. I am also attaching a copy of the letter I received from them today. 

Note that I demand the related collection account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 is not my account as stated in the multiple letters they has sent to numerous addresses to avoid me disputing the account within the time provided by the FDCPA. This account was placed on my credit report knowing it could not be verified as the account was disputed in 2020 by XXXX XXXXk and was removed because the company could not provide legal verification of the debt as per the FCRA. TransUnion and XXXX removed and deleted the account and all information last. The company now has in violation of the FDCPA placed the account on my credit and refused to provide the initial letter prior to the debt being placed on my credit per the FDCRFA. Debt should be removed immediately especially if the creditor states the account is in dispute as i would have done if I received notification under the FDCPA. Creditor has only provided statement and not legal documents bearing my signature I am the person responsible for this debt. If TransUnion and XXXX  doesn't delete this unverified and fraudulent immediately, I will have to file damages under federal and state law as this is damaging my credit rating.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 complaint is regarding the reinvestigation of the information I disputed on my investigative consumer report. You claim the information on my investigative consumer report regarding the account ( s ) I disputed is verified as accurate. I want the description ( s ) of your reinvestigation. The consumer report you prepare for me shall follow reasonable procedures to assure maximum possible accuracy of the information concerning me Pursuant to 15 U.S. Code 1681e ( b ).

Your procedure ( s ) is insufficient regarding a fair, accurate, equitable, confidential, reasonable reporting of me pursuant to 15 U.S. Code 1681a ( e ). Congress finds that you are to have accuracy and fairness of credit reporting and reasonable procedures pursuant to 15 U.S. Code 1681 ( a ) and15 U.S. Code 1681 ( b ) of the Fair Credit Reporting Act. From your reinvestigation, my investigative consumer report did not include information on my character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of me or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In fact, from your reinvestigation, my investigative consumer report only included information on my credit record obtained directly from a creditor of me when such information shall not be included in an investigative consumer report. You evidently violated the FCRA!!

I WANT THE NAMES AND ADDRESSES OF ALL NEIGHBORS, FRIENDS, ASSOCIATES, ETC. THAT YOU SPOKE TO SINCE YOU INVESTIGATED THE ACCOUNTS ON MY CONSUMER REPORT AND VERIFIED IT AS ACCURATE. Because Congress says in order for you to have conducted an investigation you had to have spoken to neighbors, friends or associates, etc., and if you spoke with them the information provided can not be factual.

With this complaint is the confirmation that you received my correspondence via mail.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: PA
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 asked EXPERIAN repeatedly for a date when the negative account XXXXXXXX XXXX XXXX is dropping off my credit file and they have not been able to give me a straight answer as mandated by the FCRA. I have a right to know when negative items are dropping off my credit report and to have the information reported correctly or it must be removed. I know it should be this year but they are reporting inaccurate information by not listing the removal date on my credit report ( please see attachment ). I ask that they either disclose the exact date the account is being removed from my credit file - and place it on my credit report or remove it immediately for being incorrect and incomplete.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : DEPT OF EDXXXX XXXX  Balance {$12000.00} Opened XXXX. XXXX, 2017 - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.

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 2020-03-31
Company: Experian Information Solutions Inc.
State: SC
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:
Spoke with a representative of Experian, XXXX  and XXXX, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which I did, and it came back verified. This isn't possible, Ive already file a report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, I just want to protect myself from any further damage, and get these accounts off my report, which has cost me denial of credit and higher rates when I did get approved. I was totally clueless of this account until recently in XXXX when I got 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX is holding over {$6500.00} of my money and refuses to apply it to the multiple mortgages I have with them. It has been three months since my checks were cashed and XXXX refuses to give me credit for the payments I have made and instead is report to the credit bureaus all my mortgage payments are late. I am a real estate investor pursuing additional investments, I have sustained actual damages because I have been denied credit due to the misreporting by XXXX. XXXX misreport has caused my credit score to crash more then XXXX points. XXXX is charging me interest on principal I have paid, denying me of justified reductions in my interest expense. XXXX has violated both civil and criminal statutes in the State of California.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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. 1681 section 602 A. States I have the right to privacy.

15 u.s.c. 1681 c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information. Other than records of convictions of crimes which on dates 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 2023-08-13
Company: EQUIFAX, INC.
State: NY
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:
There is information that is on my consumer report that is indicating a debt that is inaccurate and claimed against me. I have noticed inaccurate addresses that I never used or received XXXX mail from and daily harassing calls from XXXX XXXX and XXXX XXXX for a charged off debt that is nearing 7 years of being written as a loss from the original creditor.There is also a account I never opened and was seeking investigation as in that time ; I didnt open ANY accounts. I also show a late payment on another account in which I was never late and need assistance to dispute and remove so I can look forward to buying a new home. Your assistance would be greatly appreciated, as the rampant phone calls is affecting my productivity and functionality during my working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I DONT RECOGNIZE THESE ACCOUNTS 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
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
YOU NED TO RE-INSERT THE FOLLOWING ACCOUNTS ATTATCH TO MY DOCUMENTS, I NEVER FILE A FRAUD ON MY REPORT. I'M BEGGING YOU. YOUR THANK YOU YOU FOR YOUR ATTENTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Due to a program I have been involved with, XXXX XXXX, I have closed my credit card accounts in an effort to avoid incurring unsecured debt. In XX/XX/XXXX I paid down my balance to XXXX on my American Express account # XXXX XXXX XXXX. In XX/XX/XXXX I called an American Express representative to request closure of my account and she confirmed to me that my balance due was indeed XXXX. In XX/XX/XXXX American Express sent me a statement with an entry they had made in error regarding a " transaction reversal '' dating from early XXXX. I've written to American Express numerous times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) requesting a correction and confirmation that my account balance is XXXX as I was advised when I closed the account in XX/XX/XXXX. Their only response is sending me multiple letters stating that they will be sending me " copies of statements that I requested ''. At no time did I request any copies of statements. This feels like harassment at this point and I've requested once again in a XX/XX/XXXX letter to confirm that I have a XXXX balance and they will not report any negative information to credit bureaus. I had this account with American Express for nearly 20 years and I have a stellar payment record.

Company response to consumer: Closed with explanation