BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 i sent Transunion a method of verification letter. To this day they failed to send me a method of verification to validate the alleged debt thats on my credit report. I am in the process of buying a home and I am very stressed the way they handled the situation By law if you are unable to prove it, you must remove it. All the disputed accounts are unverifiable. Transunion is under violation under 15 USC 1681

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 2023-07-27
Company: Experian Information Solutions Inc.
State: IL
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2017-04-24
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing in regards to my property located at  XXXX   XXXX   XXXX . I have filled many previous complaint with your office.     I received a letter from Nationstar Mortgage dat e  d  XX/XX/XXXX . The letter states that my mortgage is past due and I owe {$110000.00}. The letter says that I have until  XX/XX/XXXX  to cure the default. If the default it not cured by  XX/XX/XXXX  it may result in acceleration of the sums secured by the secure instrument, foreclosure proceedings, and sale of th e property.     Before I could respond to the letter I got a letter from Nationstar 's atto rney   XXXX   XXXX   XXXX   XXXX   XXXX  . This Letter  is dated    XX/XX/XXXX   a nd states that they are foreclosing on my property listed above.        XXXX   XXXX   XXXX   XXXX   XXXX   's Le tter contradicts Nationstars letter. In addition I am really not sure why Nationstar is stating I owe them {$110000.00} to bring the loan current. My   XX/XX/XXXX   statement says that I owe them {$100000.00} to bring the loan current. M y  XX/XX/XXXX  s tatement says I owe them {$100000.00} to bring the loan current. Also the    XX/XX/XXXX  st at es that my payment is {$1100.00} with {$1100.00} going to interest and  XXXX  going to escrow. My    XX/XX/XXXX      statement stated that my Payment is {$1400.00} with {$1100.00} going to interest and {$300.00} to escrow. Each statement has a default letter included with it ( please scroll to page  3  of the statements ) that states my payment amount is {$1700.00}.     I am not really sure why I am accruing monthly payments at all since this mortgage was accelerated way back o n  XX/XX/XXXX . T hat letter from  XXXX   XXXX  that I received  on 2/14/11  stated I owed {$230000.00}. It does not say anything about monthly payments still accruing since they called the whole loan amount and late payments due. This letter from  XXXX   XXXX  should also prove that  Statue of Limitation  to Collect on a promissory note has expired.     I have been arguing back and forth with the bank regarding this loan for more than 7 years now. All I have ever asked for is accurate figures and documents. They continue to send me more and more conflicting information. They are asking me if I would like to do any work out options but how can I when they ca n't even get me consistent accurate figures? I have thought all along that this loan was duplicated and there is more that  one  loan for my  1 pr operty. Do we let banks foreclose in the state of Colorado without even having accurate figures?     Lastly I wanted to ask about the legal fees. I think that them asking for close to {$9000.00} in legal fees is excessive especially since it is mostly due to me needing to defend myself against their lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MD
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:
It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}

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 2018-10-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I have a {$200.00} that I personally purchased in XX/XX/2003. I attempted to redeem my XXXX XXXX money order and at my financial institution and it was returned due to a retired routing number that occurred because JPMORGAN CHASE purchased XXXX XXXX XXXX. XXXX XXXX is the Bank account XXXX XXXX had which states on the money order " payable through XXXX XXXX ''. Because JPMORGAN Chase purchased XXXX XXXX ; JPMORGAN merged all of XXXX XXXX to JPMORGAN Chase, which makes Chase the originatiting bank to contact for redemption of money order. When contacting JPMORGAN Chase ( via phone, and email ) they said they have no records of my money order and that they will not pay me the value of my money order which they are responsible for reimbursing me because of their XXXX XXXX purchase! Attached are two emails addressing this matter. In the corresponding email JPMORGAN Chase executive office said " JPMORGAN Chase will not reimburse you for the money order XXXX XXXX supposed to pay '' some how that email was removed from my email account by JPMORGAN Chase IT department or executive office ; some how that corresponding email was delivered and no faulty action on my behalf was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2022-06-10
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:
Re : Account number # XXXX I have previously disputed the accuracy of the information for the closed at my request and paid in full account with XXXX and all CRAs ( XXXX, XXXX, TransUnion ), however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Last reported Date last active Date of last payment

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 2019-11-18
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: Account status incorrect

Complaint:
I paid off my loan in XX/XX/2017, XXXX XXXX showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. XXXX XXXX   reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling XXXX XXXX numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX  but not Experian or XXXX. Please help.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
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:
I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I strongly request that you update my account to accurately reflect my payment history.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting inaccurate and outdated information on my consumer credit report. 
I have made multiple attempts to have these accounts removed because they have not been properly validated pursuant to the Fair Credit Reporting Act. Experian has willfully and knowingly reported this inaccurate and outdated information on my credit report including someone else 's social security number. The negligence of Experian has put me at risk of identity theft and financial harm. These actions are also defamation of my character. If this final attempt fails I will pursue legal action representing myself pro-se in federal court and formally request a jury trial.

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 2022-12-07
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2021-12-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. Ive attached all the inquires I the Identity Theft Report Affidavit attached to this complaint. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Best Buy credit card through Citi charged me for services without my knowledge, request or approval. i wrote them requesting they correct their error, and they are not only refusing but threatening me and charging me penalties and fees.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} 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 2021-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To Whom It May Concern, I am writing to you to put a Security Freeze on my XXXX credit report, under the Fair Credit Reporting Act you are required to comply. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below MY FULL NAME : XXXX XXXX XXXX MY SOCIAL SECURITY NUMBER : XXXX MY DATE OF BIRTH : XXXX MY ADDRESS : XXXX XXXX XXXX XXXX XXXX TX XXXX MY PHONE NUMBER:XXXX EMAIL XXXX After this Security Freeze has been filed, please send me written confirmation and PIN to the address listed above. Your immediate attention to this matter is appreciated, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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:
I have inquires that are not mine and Equifax is refusing to delete. The inquire is XXXX XXXX bank use on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage LLC continues to raise my mortgage by significant sums citing an escrow shortage despite no change in my taxes and, a minute, {$50.00} change in annual insurance premium. They informed me of a lowest minimum balance requirement ; stating that is why my escrow account requires more money. My previous servicer would send me a check for any overage in escrow every year, report interest earned on the account and credit my account that amount.  Nationstar has failed to do either in the past 2 plus years they have been servicing my  loan. I have called to complain about this issue every year at the time of the escrow analysis with no resolution. At this point, they have informed me that I can either refinance my mortgage with another company or continue to be price gouged in the name of the escrow account. Neither solution is viable. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2023-07-27
Company: Experian Information Solutions 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:
This is in response to complaint XXXX. Experian stated that the disputed account does not appear to be on my credit report, and I attached my most recent report to show that the account is there. I do not believe an investigation was done. I believe that Experian is sending generalized responses to every consumer that submit a complaint. I already submitted proof as to why the account is reporting wrong. I also reached out to the creditor, and they stated that they submitted an AUD so why is this still reporting as a collection in XXXX? Once again, I will provide the payment made in XXXX as well as my credit report showing the account Experian claims is not there. I am demanding that this collection status be removed from 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